Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,744

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: Tina

Exceptional Customer Service

The customer service was exceptional. Everyone I spoke with took the time to listen and do the research needed. They were professional and very knowledgeable. My issue / question was resolved with the one call.
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5

out of 5

POSTED: | BY: Jason Meuse

We have loved our experience with…

We have loved our experience with Embrace. Their customer portal is so easy to use to load records, submit claims, communicate with the team, etc. If we need additional assistance, we just call & speak to a team member; they've always been professional and knowledgeable and able to explain things to us in depth. While we do wish the monthly rates were lower/more affordable (they could be if we lowered coverage limits), we've been grateful that we've had Embrace any time our fur babies aren't feeling well :) Definitely recommend this company if you're looking for pet insurance.
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5

out of 5

POSTED: | BY: Terry Rieger

Extremely easy to submit claims & Fast…

Extremely easy to submit claims & Fast reimbursement
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5

out of 5

POSTED: | BY: Luvmeweims

Easy filing procedure

Easy filing procedure. Have not received the final decision so hopefully that will be quick.
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1

out of 5

POSTED: | BY: Concerned Pet Owner

Do Not Use Embrace!

I wish I could give this company 0 stars. I have been paying 10 months into insurance I could not use. When it came time to file a claim, Embrace was not there for me or my precious cats, and actually tried to squeeze $400 more dollars out of me to get an 'add on' that was what I thought I was paying into. BUYER BEWARE! Embrace, neither pet, nor people, friendly.
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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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