Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Steve Banker

Embrace really cares about my pet.

The web site is very easy to file claims and they have always been quick to respond and they explain everything in easy to understand terms.
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4

out of 5

POSTED: | BY: Veronica

Easy to follow

Application process is easy to follow. I think that the drop-down menu options do not exactly cover what my dog went to the vet for, so I clicked on the best possible option. Even like that, I am uncertain about the yay or nay criteria. I wish there were more clarity. I've submitted my claims in the past and there has been no problem. I had several invoices and would have hoped to be able to submit all of them in one claim. I had to open a new claim for each invoice, which made the process a bit longer.
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5

out of 5

POSTED: | BY: Richard Griego

Log in Experience

Easy to log in and complete the claim.
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5

out of 5

POSTED: | BY: Karen L.

I can’t say enough about this pet…

I can’t say enough about this pet insurance. Filing a claim is so quick and easy. We were reimbursed for our claim in three days! I would definitely recommend Embrace.
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5

out of 5

POSTED: | BY: Melissa Uhles

Maneuvering through the website is…

Maneuvering through the website is hassle-free. I appreciate that as well as the immediate correspondence I receive when asking questions about my pets.
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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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