Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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.
1

out of 5

POSTED: | BY: Tony

Filled a small claim for prescription…

Filled a small claim for prescription within the first 3 months and they gave me so many excuses not to approve the claim. Keep your money and stay away from embrace. I could only imagine if my dog was actually injured badly and I had to deal with these people for a claim worth a few thousand. Thankfully I didn’t wait to find out.
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5

out of 5

POSTED: | BY: Johanna

I called customer service to make a…

I called customer service to make a change to my account and it could not have been any easier! Changes were made immediately!! Well done Embrace customer service team!
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5

out of 5

POSTED: | BY: ALI/ATRI

great customer service

great customer service. Easy to file a claim and the responce time was less than a week.
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5

out of 5

POSTED: | BY: George Becker

Great service one…

My chihuahua had a small mass near one of her nipples that had to be removed and sent for a biopsy. Embrace processed the claim very quickly and when I indicated that needed the reimbursement quickly, I received my reimbursement the same day, exactly 1 week after the surgery.
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5

out of 5

POSTED: | BY: nova noon

Excellent experience! Highly recommend

Saved my cat by leaning forward with a “quick pre approval” which allowed us to say yes to expensive surgery for removing a blockage. Everyone I talked with on the phone was shockingly friendly, motivated, and well spoken. I actually felt taken care of. Wish my personal medical care was this satisfying! (im in the military) thank you Embrace, and thank you to the agents who helped is get our cats medical care on time!
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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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