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: Andrea vN

A lovely surprise

My dog is getting older, with a growing likelihood of needing medical care. But I have been super skeptical about pet insurance, to be honest. My son and daughter in law, however, suggested I check out Embrace given their cat experience, so I went ahead and signed up. Recently I used it for the first time, and I was so pleased. Filing a claim was amazingly easy, and the claim was settled in little over a week. When I received the check days later, it was very clear what was paid and why, and there was nothing seemed questionable or unclear. I am so glad I got it when I did!
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5

out of 5

POSTED: | BY: Wendy lynch kosmerl

First claim

Well, this is my first claim I’m submitting and it was a breeze. Let’s see how soon the claim gets paid. I’ll let you know.
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2

out of 5

POSTED: | BY: Kevin

Premiums doubled in three years

Premiums doubled in three years with no history of claims. Over the lifetime of the pet, total premiums would exceed $20,000. Canceled my policy. I’ll just pay out of pocket.
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5

out of 5

POSTED: | BY: Michelle M

Easy Peasy!

My 1st time going through the process of filing a claim was simple and flawless. They really can’t make it any easier. The money was deposited into my account within a few days. I was very impressed.
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5

out of 5

POSTED: | BY: Michelle Labatte

Quick and easy complete coverage

I have two labs. We insured them day one. They tend to get themselves into quite a bit of trouble. Embrace is an amazing help! They reimburse all of their (non-wellness) costs. Just a few clicks on my phone and once approved they direct deposit back my costs. Which is great, bc I don't have time to be emailing, faxing, messaging etc. Just a few clicks and done! Now I can play with my dogs!
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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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