Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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.
4

out of 5

POSTED: | BY: Marcy

It is important to have pet insurance.

This is the first time I have submitted a claim for Spencer. I was a little taken back receiving 6 "no reply" emails in 10 minutes. The information in the emails was contradicted in the website record. Would it be possible to wait to send the email after all information is confirmed? Would it be possible to combine the several related visits in one email, so one could see all the info at one time? All in all, we are pleased with the outcome of the claims. Thanks to Shannon and Elise, everything worked out fine.
5

out of 5

POSTED: | BY: Natalie

.So glad I have invested in Embrace pet insurance.

Nine days after my dog's surgery, I received a notice from Embrace that she was covered on our 80/20 plan. I'm so grateful for the quick turn around.
5

out of 5

POSTED: | BY: Susan

The best pet insurance is Embrace!

Embrace is always courteous and prompt when answering questions or settling claims. It is reassuring having such excellent coverage to go along with the top level of veterinary care our cat receives. Thank you, Embrace!
5

out of 5

POSTED: | BY: Lee

Dental

I just discovered the feature to submit claims online. It went very smoothly. The website is very informative but when I had a question that needed an better explanation the help line was great too.
4

out of 5

POSTED: | BY: Daniel

Prompt service

Embrace quickly reviewed my claim. I received a message from the Claims Team with a person to contact if I had questions. The service feels as personal and as responsive as going to my veterinarian. Yay Embrace.
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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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