Embrace | Pet Insurance Review

4.4

out of 5

Number of reviews 19,876

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: Caitlin

Excellent service, as advertised

I highly recommend Embrace Pet Insurance. My dog, who is older but otherwise healthy when I began paying premiums, this year needed some medical imaging, consults with a specialist, blood work, and later appointments for chiropracty (something I normally wouldn't have thought about). Embrace has accepted every claim I submitted, and treated me very fairly through this process. I got a clear policy with clear benefits and have needed to use them this year, which is more pleasant than I could have imagined. Claims are easily submitted by email for me, or by fax through my vet. Totally worth the expense!
5

out of 5

POSTED: | BY: Deborah

Timely & fair

Embrace communicates in a timely fashion with the clients re: their claims. They are fair & the claims are processed quickly! Thank you, Embrace!
5

out of 5

POSTED: | BY: Elizabeth

The true meaning of insurance

I'm very glad I got pet insurance a few years ago. It has been very helpful. I can't remember being rejected for a claim. Thank you!
5

out of 5

POSTED: | BY: Debbie

Extremely efficient!

I emailed a claim on Friday and Monday I received confirmation that my claim was approved and a check for the full amount is in the mail for me! Thank you!!
5

out of 5

POSTED: | BY: Cameron

Quick and efficient

Never have a difficult or lengthy process. It's easy and gives peace of mind.
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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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