Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,927

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: Carlos V

Quick Turn Around

I’m very pleased with how quickly Embrace handled my recent claim. They responded within 24 hours of submission and covered almost 75% of the total vet bill. The process was straightforward, and the reimbursement came through without any issues. It gave me peace of mind during a stressful time with my pet, highly recommend!
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5

out of 5

POSTED: | BY: Kelsey Sanford

Good overall

At first we had some issues with pre-existing conditions, coverages, etc., but things have been running smoothly lately. As long as you know the pre-existing conditions (because they are stern on those), you won't be disappointed. Quick turnaround on claims, reasonable overall.
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5

out of 5

POSTED: | BY: Scott Egers

Good thorough response

Good thorough response
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5

out of 5

POSTED: | BY: Alicia M

I have never had any issue with any claims

I have never had any issue with any claim I have sent in and I have sent in multiply.
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2

out of 5

POSTED: | BY: Mariah

I have had this for over a year and I'm…

I have had this for over a year and I'm regretful of spending so much money. The site and all often are buggy. I'm concerned this is not going to actually help me or my pets.
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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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