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: Bella Clausen

Embrace has been incredible

Embrace has been incredible for the 9 years we’ve had them. Their customer service is unmatched and the claims process is easy and quick. We’re a military family and they have been with us through four duty stations and never once let us down.
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5

out of 5

POSTED: | BY: Lori

Clear and easy to use website

Clear and easy to use website. Very straightforward instructions to submit claims. Prompt response.
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5

out of 5

POSTED: | BY: susan s

Well organized and always helpful

So well organized. Very straight-forward and transparent. Responds to claims immediately. Very helpful customer service for questions.They reach out right away if they have a question. They never leave one in limbo. I have confidence in Embrace which is not something I can say about most insurance companies or most companies in general.
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5

out of 5

POSTED: | BY: Kathi

Super Simple Claim Submission

Super Simple Claim Submission! It was very easy to submit a claim in about 5 clicks.
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1

out of 5

POSTED: | BY: Sharon W

Tried to say diarrhea from a year prior…

Tried to say diarrhea from a year prior from a flu bug was a pre-existing condition so then anything where the stomach was involved (basically any virus has diarrhea!) wouldn’t be covered! So when I ended up in the ER a year later from my dog ingesting something that caused him to vomit and have diarrhea, they wouldn’t cover any of it saying it was pre-existing!!! Waste of money! I’ve had plenty of dog insurances over the years and this one is truly the worst
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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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