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.
3

out of 5

POSTED: | BY: Jenn Sanchez

Review 1. Starting the process

This is our second attempt at gaining the benefit of this insurance company. Our first attempt we received nothing for our first pet. This review will be the first of a series of reviews detailing the company performance at each step. Claim submitted in under 5 minutes. Easy user interface. Claim was accompanied by pdf receipts showing $1131 in charges. No other documents submitted.
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5

out of 5

POSTED: | BY: Patty R

Ease of claim

It was very beast to submit a claim and it was processed very quickly. I am glad I chose Embrace for my pets.
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5

out of 5

POSTED: | BY: Allison

We've had Embrace for years and highly recommend

We've had Embrace for years, and have appreciated the flexible options they offer so we can adjust our coverage as needed. This is our first time to have met our deductible (thankfully!) and it was such a relief to have coverage as we discussed the treatment options with our emergency vet. Embrace was so helpful in explaining next steps, and less than two weeks after our incident, we received our reimbursement. Every team member I have ever spoken with has been just the absolute nicest and have gone above and beyond to get us an answer. We started our coverage after friends lost their beloved dog to an emergency situation several years ago that drained their savings. It's a relief to have and I highly recommend starting Embrace coverage as soon as possible. We couldn't be happier that we have Embrace protecting us as our girl gets older!
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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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