Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: YANA FELIX

The best decision I have made for my puppy!

The best decision I have made when adopting my puppy. So well worth the money. He is 5 years old now and I have saved so much on wellness care like Vaccines and incidentals like when he broke a tooth on a bone (yeah he can be a handful!). Their claim process is super intuitive and rapid. I HAVE been recommending embrace to all my pet parent friends!
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5

out of 5

POSTED: | BY: Michelle Vincent

The best pet insurance

The best pet insurance. I have talked to so many people. Quick and easy way to submit right from your phone. Quick and easy response-payout of claims. Great plans. It’s your choice!
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5

out of 5

POSTED: | BY: Linda Lauer

The website was easy to navigate

The website was easy to navigate, instructions were clear, and the claim was submitted quickly
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2

out of 5

POSTED: | BY: Sam Sebring

Rejection of claims

Seems every insurance claim is first rejected for not enough information from the veterinarian when in fact because they are dealing with Embrace they take extra care in supply additional information, thus delaying any reimbursements.
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5

out of 5

POSTED: | BY: Anthony Lee

Fast claim approval and repayment

My dog had to have emergency surgery on Christmas Eve. I put in a claim on 12/26 and on 12/31 my claim was approved and on 1/2, the money was in my account. I can’t believe it was so quick and easy.
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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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