Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,985

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: Naomi Schmidt

Telephone experience

Luckily, I’ve only had to use the insurance to be repaid for well visits or reimbursed. I guess is a better word, but they have always been very kind over the telephone and helped me yesterday about choosing a different deductible to decrease overall monthly rates.
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5

out of 5

POSTED: | BY: Jenny K.

Easy to submit claims online

Easy to submit claims online. Good customer service on phone. Quick payments of claims. What more could you ask for in a pet insurance?
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5

out of 5

POSTED: | BY: Kimberley Brown

Our wellness policy is perfect

Our wellness policy is perfect. It allows for a reasonable monthly payment to help cover some of those annual expenses, that can get costly. Embrace is quick to respond to your claim, not only to tell you that they have received it, but also when it is complete. We love our Embrace policies.
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5

out of 5

POSTED: | BY: EMEKA SMITH

First time have a puppy

First time having a puppy. It was a smooth experience.
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5

out of 5

POSTED: | BY: Brian Thul

Professional and Compassionate

Associate was professional and compassionate while supporting us to get the best help for our dog.
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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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