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: Kristen Sharpe-Nimesgern

Very easy claims process

Very easy claims process, detailed explanation of what is covered & why, fast payment. Our dog was bit by a rattlesnake and we were SO grateful that Embrace allowed us to provide the appropriate care needed to save her life.
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3

out of 5

POSTED: | BY: gary evans

Having problems submitting claims

Having problems submitting claims, seems the website locks up from time to time and does not allow you to finish. Have to submit again the next day.
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5

out of 5

POSTED: | BY: Kady Ellifritz

Young Pets Need Insurance

Our kitten was diagnosed with HCM at age 1 and large cell lymphoma at age 2.5. Sadly, lymphoma is an aggressive cancer, and he survived only a couple months beyond his diagnosis. We were able to enjoy the extra time we had with him, and Embrace was there the entire time. Claims were processed within days of submission and knowing we had Embrace to support us, financial impacts were completely removed from making medical decisions. I have my other pets insured with Embrace as do my family members. 100% recommend.
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5

out of 5

POSTED: | BY: Claudia Ionescu

Very easy to submit a claim

Very easy to submit a claim
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5

out of 5

POSTED: | BY: William Butler

Payment for covered services was…

Payment for covered services was received fast
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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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