Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,864

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.
4

out of 5

POSTED: | BY: Elizabeth

Just filed two claims for emergency…

Just filed two claims for emergency visits and waiting on approval from Embrace. The filing process was super easy and I was able to right from my phone! Hoping to hear back this week on claims approved. I never had pet insurance before and after the expenses of the passing of my last dog, I wanted to give this a try with my new puppy. TBD on the approval and will follow up on my review once I hear back from Embrace
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5

out of 5

POSTED: | BY: kenny eisenman

Easy to navigate website

Easy to navigate website, as well as submitting a claim, and when I do have to deal with someone they are great! SO glad I have pet insurance with Embrace!
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5

out of 5

POSTED: | BY: David Smith

Excellent!! Right from the beginning

From the beginning, the agent was up front about the policy and explained everything. We have presented the Vet bills that we have paid and they have been promptly paid by Embrace. They have provided a great customer experience for us with our Fur Baby for over a year and a half and we will be keeping the policy.
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5

out of 5

POSTED: | BY: Cynthia Hatfield

Best insurance for my pet

Best insurance for my pet
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1

out of 5

POSTED: | BY: Robert Silverman

Embrace made an obvious mistake and never read my claim or reviewed the receipts.

I had to resubmit my claim because the original review was in error. This company obviously does not look at the receipts from the vets. If they don't honor their policy and reimburse for things listed on the policy, it is not worth anything. This is the first claim I have made in the entire multi-year period I have had the policy. I believe if they don't honor their policies I am entitle for a full refund of all my premiums, since it is obvious they never provided me with the protection I paid for.
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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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