Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,859

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: Ron U.

Best pet insurance ever!

I got Embrace for my Greyhound Puppy, the setup was very easy and I like the iPhone app. Well a few months into having the insurance my puppy had an accident and he chipped 2 of his teeth which required dental surgery and it was almost $2000!I submitted a claim through the iPhone app and they reimbursed 90% of the bill! I was very happy at how easy the claim process was and how quickly the claims adjuster reached out to me. I will definitely be staying with Embrace pet insurance :)
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5

out of 5

POSTED: | BY: Rachel Nowinski

Easy submission

Easy submission, quick turn around
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5

out of 5

POSTED: | BY: Mitch

Dependable

Embrace has been very helpful and trustworthy since I got my insurance for my pet over 6 years ago.
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5

out of 5

POSTED: | BY: Kirsten Freislinger Luehrs

Fair so far, easy to contact

I've carried Embrace Pet Insurance for 10 years for one of my dogs. Didn't have a claim for 7 or 8 years. More recently he's been to the vet more often and we've received benefits. Company seems easy to work with, pays claims quickly and has been fair so far. Easy to reach by phone as well. I'm still hoping our rates don't increase a lot, but it's hard to predict the future. Be careful with dental benefits they are limited. Policy is clear but I was a bit confused by it.
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5

out of 5

POSTED: | BY: Thom Howell

Claim procedure very good

Claim procedure very good
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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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