Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,862

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: Lord Vader

We've had Embrace for many years

We've had Embrace for many years, and it has been a godsend on many occasions. In spite of having a medical record literally two inches thick, Vader is still doing well at 15 years young thanks to Embrace's help. The online claim process is simple, turnaround time is generally quick, and every staff member we have ever dealt with has been very helpful, courteous, and knowledgeable.
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5

out of 5

POSTED: | BY: Nancy Merritt

Claire’s Claim

We recently had to file a claim for one of our dogs who was ill. The claim process was easy, as long as an invoice was provided. In our case, we had two invoices, as one was paid in full and then additional care was required, so the laid in full showed up as a credit. The EMBRACE folks contacted the vet for clarification, and the claim was paid within two days.
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5

out of 5

POSTED: | BY: Ann S

Easy to navigate and understand!!

Easy to navigate and understand!! Well done!
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5

out of 5

POSTED: | BY: Mike Duffy

Simple and well laid out site and very…

Simple and well laid out site and very easy to upload documents and submit a claim….Excellent Service.
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5

out of 5

POSTED: | BY: tlsully

Ease of submitting claim.

Ease of submitting claim.
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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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