Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,988

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: Jane Bentley

Efficient and very compassionate service

Embrace promptly reimbursed me for the $6200.00 i had laid out during the terrible last 48 hours of my beloved cats life. In addition I received a beautiful card embedded with wildflower seeds to plant in her memory. My daughter just signed up for her dog this week and I would recommend their services to anyone who is interested in having funds to help their pet in an emergency
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5

out of 5

POSTED: | BY: Robert J Allen Jr

Everything was perfect and excellent

Everything was perfect and excellent
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5

out of 5

POSTED: | BY: Deanna

Happy with their response time ◡̈

This is an update: My most recent experiences with having Embrace Insurance for my 2 dogs have been much much better with speed of claims and information. Really happy with the upswing ! So far it’s been an ok experience. They take a long time to respond to inquiries and the claim process can be lengthy at times. Though they have over 150 employees working for them, it feels like there’s only a few with the communication process. Do your research on what kind of coverage you really will have. It can be confusing, but just takes some effort, probably more energy than I had at the time of adding my first pet.
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5

out of 5

POSTED: | BY: THOMAS H. STEARNS

Claims administration is quick and easy.

Claims administration is quick and easy.
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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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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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