Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Meg

They Make It Easy

I have been with Embrace since my 10 year old was a puppy and have found the entire experience to be pleasant and economically wise. I got insurance to make my pet expenses predictable and it has. I know how much it will cost me every year, and never have to debate getting my pet the care she needs. Yes, it goes up every year, but it continues to be a smart choice. Customer service is responsive and polite, every single time. Claim submission is easy and they turn them around quickly. I wholeheartedly recommend.
5

out of 5

POSTED: | BY: Marcia Power

Very easy to file a claim

Very responsive customer service. Filing claims are easy & the response is prompt.
5

out of 5

POSTED: | BY: Annette Hillard

Perfect!!!

Embrace has always proved to be a perfect pet insurance company! Fast, reviews and payment!
5

out of 5

POSTED: | BY: Ari Church

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 Forst

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
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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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