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: Joshua Welch

Quick, easy, and worth it!

The claim process was quick. We did a pre certification for our dogs TPLO surgery due to a torn ACL and that only took a couple days to get a response. The actual claim after the procedure was closer to 10 business days but overall with direct deposit set up it was a very smooth process. You don’t quite realize how important your coverage is until you really need to use it! We have had our dog for close to 11 years and this was the first time in all that time we have filed a claim. So glad we have it!
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5

out of 5

POSTED: | BY: Jennifer Duffy

Filing Claims

Filing and submitting claims through Embrace's pet portal is super quick and easy!
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5

out of 5

POSTED: | BY: Guest

Never a surprise with Embrace

Never a surprise with Embrace! Quick turnaround on reimbursement for vet visits with no questions or haggling!! No complaints the last two years!
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5

out of 5

POSTED: | BY: Melinda Wellsfry

Very Satisfied Customer

The clams are very easy to submit and the reimbursement is extremely fast. I couldn't be happier with this company!
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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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