Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Eric S.

Easy to submit a claim

Easy to submit a claim, quick reimbursement, process by which claim was determined was clearly described and fair.
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5

out of 5

POSTED: | BY: Mia

Highly recommend

Highly recommend. User friendly web site, Easy to upload claims and quick and reliable turn around. 5* woofs for this site.
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5

out of 5

POSTED: | BY: Craig Muerer

Easy to use and easy website

Easy to use and easy website
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5

out of 5

POSTED: | BY: Molly Marino

Smooth Process. Thorough Coverage

I find this app very easy to use both on the phone and computer. They are also responsive and fast and thorough. So far I'm very impressed with 2 years of coverage with Embrace. It has MORE than paid for itself.
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1

out of 5

POSTED: | BY: Pamela Heebner

I have been an Embrace pet insurance…

I have been an Embrace pet insurance client for at least 8 years or more and never filed a claim. Just got my new renewal and they almost doubled it. I cancelled it and took 5 thousand out of savings and put it in a savings revocable trust for medical care for my cat. I'll be my own insurance company. Insurance companies need to be regulated - they have gotten way out of hand.
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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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