Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Rene

Claims process was really fast

Claims process was really fast. I submitted my claim and had my refund within days. Very satisfied with the service.
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4

out of 5

POSTED: | BY: Frank Smith

Good Customer Service

I'm impressed that a "real" person who answers the customer service line. My experience has shown them to be friendly, caring, knowledgeable and helpful with requests and/or information. Once a claim is filed, I receive notice that has been received (which is helpful); within 7-10 days another notice is sent that claim is paid (or not and reason why) and when to expect direct deposit. The claim process/form is easy to complete on line. I am happy with Embrace Pet Insurance.
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5

out of 5

POSTED: | BY: rijha bhatia

The process to submit the claim and…

The process to submit the claim and supporting documents was easy. I am very happy that I was reimbursed and I was not given a difficult time to get it.
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5

out of 5

POSTED: | BY: Michelle Beckner

I had a few claims that needed to be…

I had a few claims that needed to be filed. It was easy to file via the APP. The process was quick and smooth!
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5

out of 5

POSTED: | BY: Dog Mom

So quick and so easy

So quick and so easy! Thank you!
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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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