Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Jeff Launiere

We have had Embrace Pet Insurance since…

We have had Embrace Pet Insurance since 2021 and we are so thankful for it as both of our dogs have needed surgery. Sometimes, of course you have insurance and don't use it and think it is a waste of money, but believe when I say that you will be glad when the time comes that a pet needs care. Surgery is very expensive, and Embrace Pet Insurance keeps you from being forced to consider surgery or no surgery.
5

out of 5

POSTED: | BY: Trish Woods

easy peasy

we appreciate the ease in submitting a claim with your simple online claim process. thank you! In reading some reviews, I do think that it would be helpful and considerate to let us know, via email, when our one year anniversary date for the wellness claim submittals is approaching.
1

out of 5

POSTED: | BY: Trevor Carralejo

It should never take 3 months for a…

It should never take 3 months for a reimbursement! I was asked multiple times to send prior vet visits which I did and my vets did as well but clearly no one was paying attention.
5

out of 5

POSTED: | BY: Leslie Miller

It is vital to have pet insurance to offset major claims due to an illness or accident.

Appreciate the thoroughness of your support during a deeply emotional experience with the passing of my pet. The timeliness of your support along with the courtesy was quite meaningful. I appreciate the expeditious manner in which you worked with my vet and the pet care hospital to settle our claim. I was not in total agreement with the settlement but I did understand the final outcome. The sad part of course is having to file the claim in the first place but that is why we have pet insurance and to that end we are grateful. Thank you again for the support all the way through this sad process.
5

out of 5

POSTED: | BY: J_nyc

Good Customer Service experience

The customer service rep Lexi was very friendly & kind and she answered all my questions & concerns. Been noticing all the customer service reps Ive interacted with are helpful & they do resolve issues fairly quickly. Anytime Ive had a discrepancy with any billings or reimbursements, they have been good about addressing my concerns and they have so far corrected all issues & send out additional missing reimbursements or will correct bills if overcharged by accident. Bc they have friendly customer service reps willing to listen to the customer’s issues & then find the proper resolutions, I will continue using Embrace & would recommend to others, bc I can say from my experience with using Embrace, that if there are any issues, Embrace is good about fixing those issues appropriately. Thanks!

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 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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