Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,172

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: jgryu

Full Coverage for Breed Specific Conditions

I have a pure bred dog which means that inevitably some breed specific something or other WILL happen. I chose Embrace because they do not have the breed specific condition clause that most other insurance companies have in which they do not cover issues that could arise from having a pure bred dog. I submitted my claim and all of it was covered, and I was reimbursed quickly! It is on the expensive side, but when something does happen to your pet, you know that you will be covered and taken care of.
5

out of 5

POSTED: | BY: Jayme Howard

Fast processing and reimbursement

I have been really happy with Embrace so far. I have put in two claims and both have been handled quite quickly with fast reimbursement as well.
5

out of 5

POSTED: | BY: Emily Bates

Immediate attention to your claim.

Maggie had conjunctivitis in one eye. I submitted a claim for the medication and the vet exam. After a period of reviewing my claim, Embrace covered close to 95 percent of the bill! A check was issued right away.I also appreciate the fast attention I get when I submit a claim.
3

out of 5

POSTED: | BY: Thomas

Not too excited

Don't go into this thinking it will be different than dealing with a regular human insurance company. Their job is to try and deny you service and make money, not to help your pet. Understand that and you will be a lot less frustrated and stressed about it.
5

out of 5

POSTED: | BY: Karen Schiff

Happy with Embrace

We are new to using Embrace but so far people have been very responsive and reimbursement has been quick.
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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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