Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,901

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: Claire C

Recommend Embrace

Wow! I was prepared to have to jump through hoops to get our claim approved and processed, but I was so pleasantly surprised at the ease and speed with which it was handled! I honestly didn't believe that we'd get money until we received our disbursement, as I have heard stories of other insurance companies denying everything. The process was very simple and easy, and the company communicated with me throughout the process. I ended up submitting medical records instead of waiting for the vet, and I think that helped speed things along. Highly recommended Embrace!
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5

out of 5

POSTED: | BY: Elizabeth Morales

Quick Turn Around

Very quick review if claim submitted. I submitted claim on Friday and funds were in my account on Monday. Extremely happy with service.
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4

out of 5

POSTED: | BY: Troy

Simple platform and ease of use.

Simple platform and ease of use.
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2

out of 5

POSTED: | BY: Elisa

They don’t message back when you…

They don’t message back when you message in on the app with questions about how they handled the claim and breakdown. I have written to them at least twice inquiring about two different topics and have never received a message back
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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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