Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Donald W

Effortless Peace of Mind: My Experience with Embrace Pet Insurance

Embrace Pet Insurance truly exceeded my expectations with their exceptional service. Submitting a claim was a breeze – just a few details and an invoice upload, and I was all set. In just a matter of days, I received a response along with the reimbursement amount. What stood out to me was how straightforward and easy-to-understand their explanation was. For someone like me, who wants simplicity and clarity, Embrace Pet Insurance is an absolute game-changer. They've not only provided financial protection for my furry friend but also peace of mind for me.
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5

out of 5

POSTED: | BY: Arusiak Amarian

Easy and on point

Easy and on point. First time took toooo long, but I guess it’s a protocol. They take time to check everything. But after that it took 5 days to approve the claim.
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3

out of 5

POSTED: | BY: Rosalind Pellom

Pet Insurance

I don’t fully understand how the coverage works but you have to pay first and wait if you’ll be reimbursed
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3

out of 5

POSTED: | BY: myjobhelper.com

This is a hard one for me

This is a hard one for me. They eventually paid the claim, but getting there was very difficult. It was extremely frustrating just trying to get a representative on the phone. When I did, I was transferred multiple times and then the person I spoke with didn't even have ALL the records that I had provided in front of them. I appreciate them paying the claim. I do not appreciate what I had to go through to get there.
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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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