Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,757

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: Sherry Rueger Banaka

I greatly appreciate the online drag &…

I greatly appreciate the online drag & drop claims process that make submitting claims a breeze, the personable customer service responses I receive when I have questions, and the EOB's that explain very clearly the amounts I am receiving back once my claims have been processed. I've insured my cats with Embrace Pet Insurance for 12 years, and I'm very happy with their service.
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5

out of 5

POSTED: | BY: Jessica T.

The app makes it easy to submit a…

The app makes it easy to submit a claim. Just enter the info, snap a photo of the receipt and upload. Processing is very fast. This has been a great experience so far. I would highly recommend Embrace.
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1

out of 5

POSTED: | BY: Todd Mittelstadt

there is nothing unique about embrace

there is nothing unique about embrace. Nothing special. They use a combination of insurance riders and discounts to try to sort of confuse the insurance issue. Ultimately with the combination of discounts and additional required riders to match my current policy there was no savings. In the end, it was probably just a little bit more expensive, but not enough to be bothered by. It’s just as unnecessary. It’s unnecessary to sculpt their insurance the way they do. I saw no value.
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5

out of 5

POSTED: | BY: Peggy Sharp

My 10 yo dog passed on 10/4/24

My 10 yo dog passed on 10/4/24, the rep helped me with all the info I needed to process my claim, cancel the policy going forward and general info I needed. If I get another dog I will again use Embrace was coverage.
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4

out of 5

POSTED: | BY: Aleah Bischoff

Great choice for insurance

Timely refunds, friendly staff, quick and easy step by step claim forms. The website always says high call volume but you are waiting 5 minutes at most. Most of the time I called the call was answered right away. Also, seems like a mom and pop place because I was given direct email contact to the representative. He both times responded within the hour.
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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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