Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,744

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.
1

out of 5

POSTED: | BY: Bonnie Lynne Fleming-Jacoby

I submitted the claim added the files…

I submitted the claim added the files of the invoice and I’m just getting a response now that the files weren’t uploaded, two weeks later and had I not gone on to the website to check, I would’ve known there was an issue. Couldn’t I have been contacted via email if there was a problem?
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5

out of 5

POSTED: | BY: Kathleen Ryan

My puppy had surgery and a bad cough

My puppy had surgery and a bad cough. They covered most of my expenses. Excellent company to work with. Very professional. I received the insurance money right away . I highly recommend them. This is my first time with pet insurance.
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5

out of 5

POSTED: | BY: CJ Hall

Smooth and Efficient

I filed my first claim with Embrace after my dog had major stomach surgery. The experience surpassed my expectations. The initial review of my dogs medical history only took a couple days and immediately following that I was notified the claim was covered. We had several subsequent vet visits due to complications. Embrace reviewed and approved each claim within a day or two and provided an explanation of benefits each time. I was reimbursed in less than a week each time. I’m super thankful the process was smooth and efficient!
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5

out of 5

POSTED: | BY: Stacy

The best pet insurance I know of!!

I have been using Embrace Pet Insurance for about 20 years to cover 3 different dogs. Two dogs have had major health issues and Embrace has never questioned a claim and always paid promptly. Considering what the medical costs have been over the years and having the peace of mind to know I can make sure my pets receive the care they need, the insurance premiums are reasonable and well worth it. I wouldn't use any other pet insurance company. My sister uses Healthy Paws and has had constant issues.
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5

out of 5

POSTED: | BY: Becky Sehorne

Makes claims easy and quick

Super easy to submit claims. Fast response. Helps me take the best care of my pup.
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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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