Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard. Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: S K

I have had Embrace insurance for 8+ years

I have had Embrace insurance for my past 3 dogs. The claims are processed quickly and follow up, if needed, is professional and prompt.
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5

out of 5

POSTED: | BY: Mary Whalen

Better

The claim process is easier and much faster.
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5

out of 5

POSTED: | BY: Clark O

Insurance Like it should be

Insurance Like it should be My Springer suddenly stopped eating or drinking just before Christmas, and we took her to to vet every day for five days for evaluations and clysis, along with follow up appointment as she recovered. After we reached our deductible, Embrace paid our bills as promised, and very quickly (within a week of posting our paperwork via their website). No hassles and prompt payment. Wish my HUMAN health insurance was as fair and efficient...
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5

out of 5

POSTED: | BY: Katherine

Your website is the best.

Your website is the best.
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5

out of 5

POSTED: | BY: Christian Orellana

Excellent customer service

Excellent customer service. Easy claims process and the EOBs are easy to read. The phone app is very untuitive and uncluttered. They stood by their word when my dog was hospitalized.
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Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $2000, $5000, $10,000 or $15,000.

Deductible

Annual deductible options from $100 – $1,000.

Age Limits

Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.

Waiting Period

There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before the policy becomes active. Main plan covers alternative treatments such as chiropractic, acupuncture and homeopathic when provided by a licensed veterinarian. Optional wellness and prescription drug plans are available for an additional cost.
Embrace Pet Insurance detail
Embrace Pet Insurance protects over 100,000 pets across the U.S. with nose-to-tail accident and illness protection. In addition to its pet insurance policy, Embrace offers a Wellness Rewards program to help cover the cost of routine veterinary care, grooming and training. Its Healthy Pet Deductible™, the industry’s first and only diminishing deductible feature, is included with every policy as standard. For every policy sold, Embrace donates $2 to a pet-related charity, as well as offering additional funding and support to shelters and other charitable organizations.
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