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: Lauren Powell

A pleasant surprise

I submitted a claim and asked for a portion of it to be a claim amount and the remaining not because I thought it was considered wellness. The review took longer than my others, so I was a little concerned, but when I heard back, the claim amount was increased because more than I anticipated was eligible for claim. I was surprised and truly appreciate the thorough review and honesty. It makes me feel that Embrace is here to help me and do what is in the best interest for my pet. That hasn’t always been my experience with insurance companies, so it was a pleasant discovery. Thank you for your work and assistance of your customers.
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5

out of 5

POSTED: | BY: Dawne R

BEST pet insurance around

BEST pet insurance around. Love the wellness option! The reimbursement is super fast. The claims process is easy and fast!
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2

out of 5

POSTED: | BY: Gregg Grodner

Bye bye Embrace

Embrace was hard to deal with 4 years ago when I signed up. Lots of issue with them not getting my dogs vet records and then I find out months later I wasn't covered due to them, they never notified me of this either. Now 4 years later and I don't think I had any claims with 3 dogs insured my rates went up almost 60%. Found a new company promptly
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5

out of 5

POSTED: | BY: bill rouse

Embrace Pet Insurance is the absolutely…

Embrace Pet Insurance is the absolutely THE BEST IN THE BUSINESS.
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4

out of 5

POSTED: | BY: Courtney

Easy Submissions, Great Overall

Overall I think Embrace is the best pet insurance out there. Like with any insurance company, they are very picky when it comes to what is a preexisting condition, what is covered, etc. If you are reasonable with your plan (higher deductible, 70/30 split) it is very cost effective. It has been a lifesaver for two of our dogs - one with a sudden illness that allowed us to take the pressure off to do the best we could for him, and the other for cancer radiation and chemotherapy coverage. It was a no brainer for us to insure our newest family member too! I do wish they still had a "healthy pet" discount, but I have found them reasonable to work with, very easy to submit claims through the app or online, and quick in claim review.
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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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