Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,988

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: Lisa Haggerty

Great Customer Service!

Claim was very easy to submit & Jessica was great at keeping me informed about the claim status. She made the whole process very easy to understand. I’m so glad we chose Embrace for Hardy!
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4

out of 5

POSTED: | BY: Mary Dietrich Olmstead

Pretty easy to submit.

Pretty easy to submit.
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5

out of 5

POSTED: | BY: Teresa Cato

Empower extended my deadline.

I had financial problems and I needed to take my dog to the vet, but I couldn’t afford it at that time. Tyler Minski of Empower was kind enough to extend my deadline so that I could take my dog to the vet. They genuinely care!! Thank you Empower!!
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5

out of 5

POSTED: | BY: Lisa Lambrecht

Helpful and friendly

They were very good at communicating. They initially denied the claim. I contacted both our regular vet and the vet at the University vet school and they both sent letters. After that the claim was approved and paid quickly. Everyone I spoke to or communicated with was very friendly and helpful.
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5

out of 5

POSTED: | BY: Ralph White

I submitted a document within eight hours had the claim approved reimbursement was in my bank in forty eight hours

Submitted claim and the turn
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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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