Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Chris Parks

Extremely easy claim submission process…

Extremely easy claim submission process and excellent user interface to upload claim documents and other important information.
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5

out of 5

POSTED: | BY: Michele in CA

Great Customer Care!

Always get great service from you every time I have a need or question.
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5

out of 5

POSTED: | BY: bobspur

Claims Process

Always quick and easy submission and status/payment are received in a very timely manner.
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5

out of 5

POSTED: | BY: Kim

Compassionate support, easy claim submission and quick claim resolution

This is my first experience with pet insurance and I am so grateful for Embrace. My cat suddenly stopped eating and drinking and the vet eventually found an intestinal blockage which is a very scary diagnosis. I called Embrace 2 separate times with questions and each time the person I spoke to was informative and, more importantly, compassionate. Submitting my first claim was incredibly easy and it was processed in 4 days! My cat is slowly improving and it is an incredible feeling to know that if she needs additional care I can provide that for her. Thank you Embrace.
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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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