Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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.
2

out of 5

POSTED: | BY: Nicole

No one answers the phone

The app is really easy to use, reimbursements are easy to receive. However, no one answers the phone and it took awhile for an email response that wasn’t an automated response. On top of that, even that person said she didn’t know why my claim wasn’t re-opened automatically after receiving the necessary records when it should have.
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5

out of 5

POSTED: | BY: Diane

Embrace has been absolutely wonderful…

Embrace has been absolutely wonderful to work with. So much stress and anxiety was relieved because of your efficient claims process. Additionally, the compassion you exhibited when I had to one of my little ones go was very appreciated. The policy change was just as efficient as your claims process. I always brag about Embrace!
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5

out of 5

POSTED: | BY: Linda Leach

Embrace makes it so easy to submit a…

Embrace makes it so easy to submit a claim & very quick to respond.
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5

out of 5

POSTED: | BY: Kelley Matlock

Never had pet insurance before until…

Never had pet insurance before until now. After the expense in the loss of our sweet Haylie from cancer, we decided to purchase insurance for our next pet and went through Embrace. Now a few years later we had to file our first claim. Embrace made it so easy to file, and check on claim status through the app. I wish our personal health insurance was this easy to deal with! We were anticipating that it was going to take them 30 days or more to process the claim, but no way! Embrace was able to process multiple claims in 3 days!!! I highly recommend Embrace as your choice to cover your fur baby, we are glad we did!
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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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