Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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: Jen Wilger

Submitting claims is easy and fast on…

Submitting claims is easy and fast on the Embrace website. We have a "frequent flyer" - a pet with multiple health issues, and several providers. Thank you for making it easy to get reimbursed!
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5

out of 5

POSTED: | BY: Brig

Great Service

Embrace processes claims quickly and staff, whenever needed has been friendly and professional.
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5

out of 5

POSTED: | BY: Christine

Embrace cared about my dog they…

Embrace cared about my dog they explained everything to me about submitting a claim .
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5

out of 5

POSTED: | BY: Janice Sheil

I have had Embrace pet insurance for my…

I have had Embrace pet insurance for my dog since 2014. There were many of those years I did not need to file any claims but the last couple of years I have had many claims filed. The company is very professional and fare. I never had to question their decision as to if it was covered. They covered everything that was in my policy quickly. I highly recommend Embrace.
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2

out of 5

POSTED: | BY: Mary Martin

Not that great

Submitting a claim is easy. However they don't reimburse as described. Be sure to read the fine print. Buyer beware
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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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