Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,256

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.
1

out of 5

POSTED: | BY: eric albert

Embrace is horrible!!!

Claims are being denied for "wellness", when wellness is not what my dog was brought in for. She had non-wellness issues that I sought to get remedied by her vet.
5

out of 5

POSTED: | BY: Andrea

Peace of Mind

Moses, my American Mastiff, fractured his tibia and racked up quite the bill at the local emergency room. In the midst of my concern for him and terror at the size of the bill, I suddenly remembered that I have Embrace Insurance. I immediately relaxed and was able to concentrate on Moses and the doctor, and be "present" rather than scrambling for ways to pay the bill. The claim settlement arrived in a timely fashion, with no surprises. I would never own a dog of any size without Embrace.
5

out of 5

POSTED: | BY: Seth Gagnon

Wellness Claim Quick Turnaround

I had submitted a wellness claim for my dog's routine office visit and routine shots. The claim was quickly processed and there were no issues. I did not have to call in and fight for my payment!! Great working with them!
5

out of 5

POSTED: | BY: Catherine

Have been extremely please

The usual turn around time on a claim is two weeks or less. The last pair of claims did take longer than normal, however, I was up to date during the process . I the year I have had Embrace no claim was denied. Thanks!
5

out of 5

POSTED: | BY: Amy

No nonsense claim review.

Dealing with Embrace is about 100x easier than dealing with my own health insurance company. If it's a legitimate claim, they reimburse you, no hassle, no questions. And we’ve agreed on everything that would be considered legitimate so far.
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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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