Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,997

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: Tom Wilson

They are very responsive

They are very responsive, and I know our claims are carefully considered. They don't cover everything as can be expected, but they are great to work with and this has given us great peace of mind as our wonderful dog gets a little older (like me!).
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5

out of 5

POSTED: | BY: Feipu Song-Diaz

Claim process was easy, coverage explanation is clear

I’ve had Embrace for about 2 years now for my now 3 year old puppy, and overall I’m very happy with the insurance coverage and claim process. It’s not the cheapest option out there but they covered most of our vet visits past deductible (wellness and routine checks not covered of course). We had a few times where probiotics were prescribed due to an illness visit and it was not covered since they were considered “supplements”- a bit disappointing. But overall it was a smooth experience getting claims. I do everything via the app and it’s takes about 1-2 weeks to get the money back. Given the mix reviews of other pet insurances out there, I’d say Embrace is doing pretty well.
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5

out of 5

POSTED: | BY: Sym Tui

Embrace makes it easy to make a claim

Embrace makes it easy to make a claim. Easy to follow instructions and help is there if needed.
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5

out of 5

POSTED: | BY: M BAUMGARTNER

Online Claim Submission

Had to submit claim online through website. Very easy to do and submit. Now just waiting on results.
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5

out of 5

POSTED: | BY: Keith

Easy Claims

Easy Claims Filing claims online is fast and easy. Reimbursement is also pretty quick.
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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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