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.
1

out of 5

POSTED: | BY: NM

Fake pre existing conditions

Screw embrace. They use any excuse possible to deny coverage due to pre-existing conditions, even when the vet says in writing that the issue the pet is having is not related to that condition.
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5

out of 5

POSTED: | BY: Ann Hannon Wells

So easy to make claim

So easy to make claim - quick follow up
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5

out of 5

POSTED: | BY: Vanessa S.

Wonderful pet insurance!

Very easy to submit a claim and the EOB was very easy to understand. Super quick same day claim processing! Pretty amazing. Reimbursement was immediate as well! Very impressed with this insurance.
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5

out of 5

POSTED: | BY: Joan Johnson Miller

Embrace seems great!

I just signed up with Embrace and feel that the customer service was excellent and that they offer many more tiers and options than other pet insurance companies.
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5

out of 5

POSTED: | BY: Holly Chichester-Morby

Nothing beats a warm Embrace!

I can’t imagine an insurance company being more comforting during a time when I needed it most! Embrace Pet Insurance was so easy to work and the app makes it a breeze to communicate and submit claims. The personal email follow up from my claim rep was so genuine and appreciated. And reimbursement came in a flash! Thank you so much from me and my canine bestie!
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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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