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.
5

out of 5

POSTED: | BY: Iggy’s Parents

Easy as 123

Submitting claims on the Embrace App is incredibly simple. We download and save your invoices and summaries and then upload. Takes all of two minutes and a few days later we receive our reimbursement. We're thankful for the great coverage and team at Embrace.
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5

out of 5

POSTED: | BY: Sue Sheldon

Very easy to submit a claim!

Very easy to submit a claim!
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5

out of 5

POSTED: | BY: Patrice De Arman

Easy to submit info.

Easy to submit info.
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5

out of 5

POSTED: | BY: Brenda LaBelle

The claim submission process is very simple and painless.

The claim submission process is very fundamental and expeditious. Reimbursements are always processed timely. If there are any issues, staff provides very descriptive, concise rationale for action taken.
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5

out of 5

POSTED: | BY: Anna

Embrace pays for covered illnesses

When Ozly was diagnosed with Lymphoma I wish I had a higher amount of insurance coverage, however the 80% has helped me/him so much and they immediately submit payment to my account. If I didn’t have this insurance my dog w/have been gone by now. I could have never afforded what these treatments, visits, meds, etc, are. I am grateful for this insurance and just wish I had 90% instead!!
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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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