Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

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.
4

out of 5

POSTED: | BY: bob

After a little back and forth claims…

After a little back and forth claims have been settled. recommend Embrace each and every time
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5

out of 5

POSTED: | BY: Esther Eldridge

The submission process is easy to follow

The submission process is clearly stated and easy to follow. Simple and clear instructions are provided and are appreciated.
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1

out of 5

POSTED: | BY: Gene C.

FYI Folks....

FYI Folks.... If you have a complaint against this or ANY pet insurance company. You can do 2 things, file a complaint with the Better Business Bureau AND file a complaint with your states DEPARTMENT OF INSURANCE! They are the ones who regulate insurance companies. That includes pet insurance.
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5

out of 5

POSTED: | BY: Joel McKeever

Ease in submitting claim

Ease in submitting claim, plus prompt response time.
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2

out of 5

POSTED: | BY: Audi Queena

It is so difficult to understand the…

It is so difficult to understand the policy. I have been submit a claimed and still pending that I don't understand at all what the problem. There is request the medical records from 7/29/2024 which I don't have a puppy yet. I have my puppy in Jan,2025. He got sick in Jan 29 and I couldn't claim that one because of the insurance that I bought was not kick in yet. But after that still now all the claimed I submitted is still pending.
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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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