Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: B. YEE

My dog got bit by another dog in the…

My dog got bit by another dog in the park and I took her to the vet. I submitted the vet invoice through the mobile app portal and about a week later, I was notified that the claim was approved and reimbursement would be mailed to me. I'm very thankful to have Embrace Pet Insurance. Although I've had years where I never filed a claim, it's really helpful to have it when accidents happen. I'm also very happy to see that the claim was quickly approved without any additional followup.
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1

out of 5

POSTED: | BY: Tawana Wess

I've had embrace insurance since my pet was 3month

I've had embrace insurance since my pet was 3months old ...essentially have paid thousands of dollars over the last 14 years....i tried to file a claim early on and was quickly told that wasn't included.... i haven't had another claim until now...and i submitted my pets first hospital bill...its still under review... i submitted a lesser vet bill and it was process and only $35 of a $550 bill was paid... im very disappointed with your practices and feel as if ive been paying into a racket!!! so disappointed and would never use u again...and if anyone asked id advise against it as well!!!
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5

out of 5

POSTED: | BY: susan s

Responsive and Helpful

Embrace was great about responding to claims for my puppy who fortunately seems to be fine now. Uploading vet bills was fast and easy. When I had a question about how to separate wellness charges from medical charges on the same bill, Embrace customer service was very responsive and took care of it for me. I’m happy I chose Embrace.
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5

out of 5

POSTED: | BY: Jules Mccrystal

Everyone is always nice and helpful…

Everyone is always nice and helpful with any questions I have.
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5

out of 5

POSTED: | BY: NA

Great Service

Each time I called in to get an update on my claim, the people I talked to were very nice and most importantly knew what they were doing and what was needed to get everything taken care of. It may have taken a little longer than I anticipated, but in the end, everything worked out and I am very happy with this insurance.
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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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