Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Alex

Grateful for our coverage

Embrace is fantastic. We adopted an older dog knowing that he may have some health issues. We've made several vet visits in the months since we got him, and Embrace makes it super easy to submit claims. Their website is great and lets you view all claims and their status. Claims are processed efficiently and we receive our refund in a matter of a week or so. So grateful that Embrace enables us to provide the best healthcare for our pup!
5

out of 5

POSTED: | BY: Kristie

Embrace Pet Insurance, when compared to other insurers, rates 5 stars!

Having had other policies with different insurers in the past, I experienced a host of issues when it came to reimbursement. After they nit picked out all the things they were not going to pay for in a claim, you were left with very little (if any at all) reimbursement. One of the biggest differences between all pet insurance carriers compared is that Embrace covers your vet's office visit. Have not found another who covers this expense and it is often the primary expense of your visit. Additionally they reimburse based upon your actual cost, not on a predetermined schedule. Claims are processed expediently and all EOB information is available through your log in. In my opinion, Embrace is, hands down, the best pet insurer on the market today. You even get to choose your level of coverage and deductible!
5

out of 5

POSTED: | BY: Sara

Embrace Covered Henry's Chemo

My dog is currently battling lymphoma. Embrace has covered his chemo with no hiccups. I am so grateful as I would not be able to afford this treatment otherwise.
5

out of 5

POSTED: | BY: Scott

Spay surgery

Had complications with a spay surgery. Claim was handled immidiately got a reimbursment check within a week.
5

out of 5

POSTED: | BY: D

Fabulous turnaround time for claim.

Could not have asked for better service!
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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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