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: John Moss

Quickest and most efficient company

We have had Embrace for about four years. The claim process has been outstanding. Wish insurance for us humans was as efficient. Graet company
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5

out of 5

POSTED: | BY: J smith

I have submitted three claims so far…

I have submitted three claims so far and all were handled very quickly. I had no problems and received my reimbursement within a reasonable time. I am quite pleased with Embrace insurance.
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5

out of 5

POSTED: | BY: anitam0516

So simple to submit a claim

So simple to submit a claim. Quick response that my claim was received.
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5

out of 5

POSTED: | BY: Matthew Johnson

Best pet Insurance experience ever

Never had to use them before today, but given the terrible circumstances for our family this team was wonderful. Very responsive, very helpful, easy to navigate. No unnecessary back and forth and a caring representative to walk us through the process.
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1

out of 5

POSTED: | BY: Brock Keel

If I could give it a zero I would

If I could give it a zero I would. Every time I turned in a claim they denied me. Said it was preexisting. But my pet’s condition was curable & was not prexziting
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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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