Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Angie Brown

Easy Claims Process

Quick easy process to file a claim, fast processing, good rates, wouldn’t trust my two German short haired pointers well being with anyone else,
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4

out of 5

POSTED: | BY: Cait Wroblewski

Great coverage overall

Great coverage overall, however the website/system seems to have a lot of glitches. I've get error messages when trying to submit more than 2 claims at once
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4

out of 5

POSTED: | BY: Marcia Roberts

Claims

Embrace always reviews and responds to my claims in a timely manner.
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5

out of 5

POSTED: | BY: Ellen Friedmann

Quick claim review of multiple invoices…

Quick claim review of multiple invoices for my dog's snakebite. He is nearly 13 and I have rarely made a claim. I was pleased to see that they reacted quickly, reimbursed us fairly, and the process was seamless. The service is expensive but worth it.
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5

out of 5

POSTED: | BY: Paul

Embrace to the Rescue Again

They’re always so helpful and this time was no exception. In fact, the young lady I spoke with solved a small issue on my Maverick the Terror’s claim. She went above and beyond what she helped me with. Love Embrace! P.S. Maverick is behaving better. He just tests me.
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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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