Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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.
4

out of 5

POSTED: | BY: Paula Young

Happy until now

I've been very satisfied with this company until now. They have been insuring my husband's service dog for 11 years. The cost suddenly shot up, they said it was due to inflation and the dog's age. He's had few problems in this time, and it seems that their rates should continue in his senior years. I can no longer afford this company.
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3

out of 5

POSTED: | BY: John Druckenmiller

Claim process

Submission of a claim was fairly simple. When additional information was needed they reached out to the provider. I had to take Jack to an emergency vet as our normal vet does not have night hours. I received an Email telling me how much of my claim was approved with little explanation. With a vet bill of over $1100 I felt the reimbursement of slightly over $300 was on the low side. Still I’m glad I had insurance to get some money back
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5

out of 5

POSTED: | BY: Alison

Excellent claims processing - clear and fair

I've had Embrace for my dog since she was a puppy and she's now 11. It's very easy to submit a claim online; claims are reviewed and resolved very quickly and I've always had clear communication from Embrace
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5

out of 5

POSTED: | BY: john Ziccarelli

Clementine Hopkinson was awesome and…

Clementine was awesome and her explanation of benefits very pleased so far!
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3

out of 5

POSTED: | BY: Luigi

Phone help was outstanding

Phone help was outstanding. Still waiting for response to email help and inability to access account settings. POST RESPONSE: nice to see they don’t read the review either. I am STILL waiting for an email response about my inability to access and change my account info.
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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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