Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Danielle Winter

Easy to submit claims

It is always very easy to submit claims, and the Embrace claims department is very fast and thorough.
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5

out of 5

POSTED: | BY: Ken Smith

Always responsive with payments

Always responsive with payments. Had a issue with my dog with lyptospirosis last year. Almost $5,000 Bill. We needed to take her to take her to the emergency room and Embrace was there to pay the portion of the bill in a quick responsive manner.
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5

out of 5

POSTED: | BY: bill rouse

Once again pure awesomeness on display…

Once again pure awesomeness on display by my favorite pet insurance company.
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5

out of 5

POSTED: | BY: Bower Mary

Claims are so easy to file online

Claims are so easy to file online. Just download my Invoice from my Vet, then fill out the online Claim form on the Embrace Website and add the invoice...Click SEND and you are done! Easy Peasy...
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1

out of 5

POSTED: | BY: James Van Dyk

We will be looking for a new insurer or…

We will be looking for a new insurer or frankly it's probably better to put the money into a rainy day savings account. I might also add that it is very difficult logging into their site and forget getting email responses.
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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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