Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Rick Garner

Fantastic assistance!

Just a big shout out to Camille and her crew at Embrace. I've gotten nothing but the best from them. Fast, responsive and really understanding. I felt really well taken care of
5

out of 5

POSTED: | BY: customer

It's so easy to submit a claim through…

It's so easy to submit a claim through your app. I'm so thankful that I got this insurance for our new puppy.
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5

out of 5

POSTED: | BY: Margaret Silver

So far, I have received two checks reimbursing me for emergency services.

So far, after putting in 4 claims, two were paid as they represented sudden illness. Two were denied as being pre-existing conditions. Checks came very quickly. I cannot complain about service and coverage.
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5

out of 5

POSTED: | BY: Tiffany Morris

Willing to listen

Embrace has been good to me. I’ve been with them for 4 years now. Really didn’t use them much the first 3 years but this last year I’ve had to do a few different needed things for my dog and claims processing has been extremely helpful in ensuring I get paid back appropriately and in helping me understand what to send them to make the process as smooth as possible. I also have the $240 wellness insurance and that’s a great add for things like medications or grooming/ shots etc.
5

out of 5

POSTED: | BY: customer

Grateful for reviewing my claim in a…

Grateful for reviewing my claim in a timely manner and explaining what is and what is not covered. But overall, representatives are very helpful and courteous when I ask questions about my claims.
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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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