Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Chris NJ

Embrace honored my first claim

Embrace honored my first claim for cat skin biopsy (cancerous?). Just over $400. They took out the $300 deductible which was expected, and paid the rest. They did all the contact with the vet, contacted me by email if needed, informative, nice, emails. Good job, good service. Not cancerous, tyvm!
5

out of 5

POSTED: | BY: Christopher Davison

quick and responsive

quick and responsive, easy to use website
5

out of 5

POSTED: | BY: Margot Johnson

I tried Embrace on a lark and was pleasantly surprised

I tried Embrace on a lark, not really believing in pet insurance. I figured we’d try it and our first claim would get denied, but hey at least we tried. I am shocked and so pleased to say the opposite happened. My dog started having seizures suddenly, had to be taken the ER and then was out on expensive medicine. So I filed a claim and within days, I got a refund that covered a large majority of the cost of his care. Like I said, I was shocked. Then, he had a really big seizure, was taken to the ER and, thousands of dollars later, we were told he has terminal cancer. But with surgery we can buy him a few more happy, healthy feeling months. We can’t imagine how much harder it would have been to be losing our beloved pet and thousands upon thousands of dollars at the same time. We are so grateful we chose Embrace. Their staff and their wonderful, easy to use app has made a horrible experience so much easier.
5

out of 5

POSTED: | BY: Kelley

I was hesitant about having insurance…

I was hesitant about having insurance for my dogs, however when one of my dogs got sick a few months ago Embrace made the reimbursement process very smooth. Everyone I spoke with was very nice and I was reimbursed in a timely manner. I highly recommend them for a great insurance company for your pets.
5

out of 5

POSTED: | BY: Richard Giacovas

Great company

Great company, fast resolution of claims. Checks are sent out within 2 weeks of service. Highly recommend!

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 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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