Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,765

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: Joanne Rosenthal

Great customer service from beginning…

Great customer service from beginning to end. My agent was knowledgeable and respectful and my claim money automatically deposited in less than 2 weeks of the initial phone call. This customer is impressed.
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5

out of 5

POSTED: | BY: J. Major. .

Knowledgeable

Quick response and questions answered. Operator was knowledgeable.
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5

out of 5

POSTED: | BY: Erica

I have been impressed with Embrace

I have been impressed with Embrace! Our first claims required further investigation on their part and they communicated clearly and quickly. I appreciated the extra effort of helping us understand the policy. Recently our pet had surgery, and I submitted the claim that night. Two days later I had our approval! Thank you for being so responsive. I know I can come with questions anytime. It helps when insurance eases stress!
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4

out of 5

POSTED: | BY: Dana Wells

I just hope I did everything right

I just hope I did everything right. This is my first claim. I just received a confirmation email so I feel better
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5

out of 5

POSTED: | BY: Karen Fingar

Easy step by step claim submission

Easy step by step claim submission
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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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