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.
5

out of 5

POSTED: | BY: Evelyne Hennick

Your customer service have NEVER let me…

Your customer service have NEVER let me down. Every person I've spoken with has been kind, knowledgeable and so helpful. I love working with your company. I PRAY that you never change. I know INSURANCE has a stigma, I'm hoping that EMBRACE actually stays COOL -- making pets just AS important as their bottom line!
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5

out of 5

POSTED: | BY: Ann S.

Fast claims & pre-certifications

Quick, accurate & efficient claims process. Super fast pre-certification process of ensuring coverage before proceeding with costly medical testing.
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5

out of 5

POSTED: | BY: Adam Silva

Great service & caring

Embrace has always been wonderful and easy to deal with. Claim submission is a breeze and everyone I have ever spoken with is polite & professional. They are also very caring for our Dogs. Highly Recommended
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5

out of 5

POSTED: | BY: Diana Mercer

Hassle Free!

Not cheap insurance, but it's really easy to submit a claim and processing is hassle free. Frankly, I can't believe it. My dog has cancer and I've had to take her to a veterinary teaching hospital at Purdue University for specialized care and the insurance company hasn't given me a problem at all. They also pay claims quickly. What a relief!
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1

out of 5

POSTED: | BY: customer

At this point I’m disappointed in…

At this point I’m disappointed in Embrace. I’ve had the policy for 9 months and have not received a cent of repayment yet have paid monthly premiums. My account at ASLCA on a for met pet was much easier to navigate and prompt in 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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