Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,691

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: Nancy Dess

happy with Embrace!

We have been with Embrace for about years and love it. They updated the claims process a couple of years ago and it couldn't be simpler. Easy to submit and quickly processed.
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5

out of 5

POSTED: | BY: Jackie Giard

Responsive

Responsive, professional and prompt claims processing.
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5

out of 5

POSTED: | BY: Chris

Kept our dog alive.

Our poor dog has been hit with a lot during his 10 years with us. Luckily, we had the highest coverage possible. These last few months were very difficult, as he was in the ER a total of 7 days or so for various health issues. Would not have been able to have him as long as we have otherwise. The processing of claims has mostly been very efficient. Sometimes it takes longer in order to get history, especially if you travel an use more than one vet. We even got claims paid on past things we did not know would be covered, and they paid them after years had passed. Our dog is now gone, but will definitely use Embrace on our next pup.
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4

out of 5

POSTED: | BY: Barbara Eastman

Easy to upload docs

Easy to upload docs. Friendly staff and fast turnaround. A little pricey though.
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5

out of 5

POSTED: | BY: Michael Bellomo

Simple claims system and fairly fast…

Simple claims system and fairly fast payment.
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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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