Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

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: Barbara

I called Embrace last week to determine…

I called Embrace last week to determine if the procedure would be covered. The representative was so helpful and kind, and assured us it would be as it is related to previous issues.
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5

out of 5

POSTED: | BY: Pauline Presson

So easy to make a claim

So easy to make a claim. I have been with Embrace for about 4 years. With 3 dogs, I would never be without pet insurance. They have been easy to deal with and have reimbursed according to their guidelines and my level of coverage.
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5

out of 5

POSTED: | BY: Rachel

Quick and easy!

Quick and easy! They were very responsive and very prompt with the result!
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2

out of 5

POSTED: | BY: linda register

Claim submission.

Claim submission. I am a veterinarian. My manager submitted a claim for me due to my busy schedule via email. To the embrace claims email along with invoice, & medical records. This was done n 8/8-- 5 days after my pets euthanasia. I still had to submit the claim online. In addition. I am getting requests for patients records to my personal email not my business email. This is AFTER my manager called last week to make sure this doesn't happen again.
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5

out of 5

POSTED: | BY: Barbara

Great Representatives

Am new to Embrace. My “baby” is a 9 week old black Scottish Terrier. I named him Elmo after a Scottie that was gifted to me over 40 years ago. I’m pleased with the coverage I’ve selected. I’ve spoken with two different representatives. Both were informative, helpful, friendly and polite. I highly recommend Embrace! 🙌🏻 🙌🏻
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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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