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: Christine

Recommend

I have had to use my insurance once on each of my dogs so far. I opted to get pre-certification for both instances and there were no problems. I understood what they needed and what would be covered and had no surprises. Filing the claims is super easy online and payment is quick. The only part of the process that is undesirable is the long wait times on the phone. Understandable. I recommend Embrace to all of my furry parent friends.
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5

out of 5

POSTED: | BY: Will Wilhelm

How quick and efficent the process is.

How quick and efficent the process is.
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4

out of 5

POSTED: | BY: MARY

Processing Claims

The employees I've spoken with are extremely helpful and friendly, and the process is extremely easy. However, processing claims seems to take a while. My baby was constipated and the vet tried 3 different things. With no progress she had to have an enema. The first claim has been in review several days. The second claim has just started.
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5

out of 5

POSTED: | BY: Rebecca Hooper

Easy to Submit

Once again, submitting a claim with Embrace was easy and straightforward. Thank you so much.
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5

out of 5

POSTED: | BY: Irene Dwyer

Ease of submitting claims.

Ease of submitting claims.
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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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