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: P.B.

I got to talk to a real person…

I got to talk to a real person relatively quickly, got the answer, and was on my way back to doing what I had to take care of in no time. My call had to do with my account and not our dog or a claim.
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5

out of 5

POSTED: | BY: Kerry Allen Hawkins and Daniel

They were able to help me…

They were able to help me immediately,the process is not complicated
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5

out of 5

POSTED: | BY: Sharon marshall

Great Service & Easy Claim Filing

Great representatives who answer questions/concerns professionally, efficiently and effectively. Embrace deals directly with my vet if further info is needed on a claim. Claims are easy to submit. Fair pricing.
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3

out of 5

POSTED: | BY: Just Glenn

I give Embrace a B-

CONS: Its like any insurance company... unless you fight them, they will give you the lowest possible payout... its a constant battle. PROS: Customer service is professional, helpful and most of all, AMERICAN! ((very rare)
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3

out of 5

POSTED: | BY: Yvette Pena

Seems like it takes forever to get your money back

Seems like it takes forever to get your money back. I had hoped it would be quicker. Even the animal hospital told me that they take a long time to get the claims approved and to get your money back.
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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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