Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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.
4

out of 5

POSTED: | BY: Pamela Ethington

They covered everything we thought they…

They covered everything we thought they would. The only negative was that the site kept saying they were waiting for more information from our vet. When we finally called, we found out that they were waiting for their person to view our dog’s records because it was our first claim. Hopefully in the future it won’t take so long to be reimbursed.
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5

out of 5

POSTED: | BY: The Eat Well

Very easy claim approva

Very easy claim approva
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5

out of 5

POSTED: | BY: Andrew Mcafee

There when I needed them

I've had Embrace Pet Insurance for years, but never made any claims. I just figured it was nice to have if anything were to happen. Unfortunately, something did happen. Very unexpectedly, and very suddenly, my dog got sick and had to be euthanized. I was able to file the claim quickly and 100% online and within a few days Embrace covered ~2/3rds of the total cost from her emergency visit. I was confused about the differences in coverage, apparently my pets don't have wellness coverage, and I'm not entirely certain what that is. It would've been a better all around experience if I Embrace had taken the time to educate me on that offering, but they still met my expectations once my dog's time had come.
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5

out of 5

POSTED: | BY: Lawrence Sternstein

Great company

As always, claim process is seamless! Prompt service and attention and claims processing Outstanding!!!
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5

out of 5

POSTED: | BY: Annie

Embrace claim interface is a winner!

The claim interface is very intuitive and easy to use. I have used it three times and each time successfully submitted a claim in a few minutes. The Embrace claims team is always very quick to respond.
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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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