Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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: Elise K. Manalang

Excellent User Experience on the website and quick response time

The website is very easy to use and find the information you are looking for. I can submit a claim in less than 2 minutes. The best part, as soon as I submit my claim, I always look forward to receiving a response in as little as 24 hour and sometimes less.
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1

out of 5

POSTED: | BY: Andrew Brown

Process takes long

Process takes long, and always asking for the same material each claims.
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1

out of 5

POSTED: | BY: JC

Seems like there’s always a problem…

Seems like there’s always a problem with coverage or information from my Vet. My dog had nodules on his liver which is not uncommon for older dogs and a cyst on his skin so small it didn’t warrant any testing and these were both classified as preexisting conditions. Ridiculous.
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5

out of 5

POSTED: | BY: Shani

Excellent service from Embrace

I submitted my claim and it was a very easy process. I received timely emails regarding the status of my claim. My claim was processed and my reimbursement received in less than two weeks after the date of our vet visit. I have never received such amazing service from an insurance company. I highly recommend Embrace!
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5

out of 5

POSTED: | BY: Pam Backofen

The care and concern you always show…

The care and concern you always show for me and my pets is always above and beyond.
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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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