Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,765

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: PJN

Easy to use & prompt service

Claims submissions are easy and payment returns by direct deposit make the process easy. I receive consistent notifications of the progress of my claims and prompt credits.
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5

out of 5

POSTED: | BY: Cynthia Glover

Happy with Embrace Pet Insurance

It took a couple months from the time I submitted my first claim and when I received my first payment from Embrace, but all claims after that were paid very quickly. Having my payments made by direct deposit is very convenient. The process of filing claims is easy, and sending documents is easy. Overall, I'm very pleased with Embrace Pet Insurance and the fact that they have paid by claims.
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1

out of 5

POSTED: | BY: Jennifer Edwards

I thought with this insurance I could…

I thought with this insurance I could have been covered better where the problem with my cat and her teeth and gotten reimbursed for some of the payment I had to pay. That was a lot for me for paying everything myself
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5

out of 5

POSTED: | BY: Michael Vicchiarelli

Comprehensive

Comprehensive, customizable insurance coverage at a manageable price.
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5

out of 5

POSTED: | BY: Jennifer Chlebda

Nice to have

I must say what a nice insurance to have I’m pleased with this All though the price is very high for a monthly premium , seems to go up each year or sooner Make it adorable please Thank you
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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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