Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,001

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: Ari

Very quick reimbursement time!

Embrace was very quick with the whole process when my kitten (8 mo) had permethrin toxicity, and during the whole corona virus pandemic as well. The only step in the process that had a snag was they didnt get the invoice I originally sent, or it wasnt readable or something. Submitted through the app as they said it was the fastest way. It was very fast, within a week. Only thing they didnt cover was the liver pills cause that was a wellness reward, but all medication and procedures during the ER stay was covered. I did have a very high policy, 30K a year, 200 deductible and 90% reimbursement, but it was well worth it!!
5

out of 5

POSTED: | BY: Mike

I doesn’t get any easier

Your claim process using the app can’t be any easier. If you have a dog like mine insurance is a must
1

out of 5

POSTED: | BY: George

Impressive

This coverage is great.
5

out of 5

POSTED: | BY: Jo

The Best

Embrace has been very good for us and our needs. We always are treated professionally. Our claims are handled expeditiously and we receive a good amount of money back from what we put out. So much better than the previous insurance we had. A shout out to Noreast Vets in Belmont, NH who recommended them!!!
5

out of 5

POSTED: | BY: Michael

Amazingly simple and wonderful customer service!

At first I was worried about having insurance and having to tackle fight medical terminology is that I didn’t understand. So I asked a lot of questions and I got a lot of answers everyone was very friendly and even though one of my claims was denied, they explained why in detail. I am extremely happy with the overall experience And would highly recommend embrace to anyone. They review and pay very quickly. That’s a huge bonus
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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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