Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Joseph Ockenfels

Thankfully Luna had insurance!

We have had numerous pets, but have never purchased insurance. However, when we rescued Luna, a two-year-old American Bully last summer, we knew nothing about her health history, and wanting to provide her the best forever home, we thought insurance might be worthwhile. A great decision! Luna had a serious emergency surgery for a ruptured disc. Her care was covered. We are so pleased with EMBRACE!
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5

out of 5

POSTED: | BY: Nancy Clements

Claim process is easy and quick!

Embrace makes it so easy to submit claims, either online or through the app. First claim I submitted was paid within days - no problems!
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5

out of 5

POSTED: | BY: Pilar Aranda

Rhianna was great!

Rhianna was so helpful and kind to me ! She explained and answered everything I wanted to know and convinced me to stay with the insurance after giving me honest feedback on my costs!:) Thank you!
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4

out of 5

POSTED: | BY: Sheldon Cantor

All in all, Embrace gets it done!

There can be some difficulty with getting the pages to work to fill in the information - a bit tedious. Other than that the process is Ok and the response and processing of the claims works well. Good service and happy with how the the paper work can be fporwarded expeditiously.
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5

out of 5

POSTED: | BY: Betsey Woods

Always a good experience

I have had the coverage for almost three years, and I have no complaints. They pay their claims very quickly. I also purchased the wellness plan and for the money you can't beat it. I have been with other companies, and their plans went slowly downhill to where it was not worth the coverage anymore.
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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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