Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,766

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: Lois Moseley

Personal service is fantastic

Personal service is fantastic! I called about how to file claims for this year and they were very helpful on how and what to do.
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5

out of 5

POSTED: | BY: Deby Barnett

Embrace Pet Insurance

I've had Embrace Pet Insurance for 6 months now and are extremely satisfied with the coverage. Easy to take a photograph of billing and sent to Embrace. Within 3 to 4 days coverage has been directly posted to my checking account. Extremely satisfied with service.
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5

out of 5

POSTED: | BY: Deb

"Embracers" are a great group who care

I was unhappy with my previous pet insurance. Emily helped me with coverage questions then helped me navigated the purchase process. Later a customer service representative helped me register my policy when I made a password error. Everyone was knowledgeable and pleasant.
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5

out of 5

POSTED: | BY: ILEANA MARTINEZ-GALBAN

Easy process to submit claims

The process to submit claims is so smooth and easy. I always request the vets receptionist to have my invoices sent to me in an e-mail, it makes it much easier to submit claims. Additionally, I must say I am pleased on the turnaround on reimbursement for claims submitted. I have been a customer for almost 5 years and I have never had a negative experience.
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5

out of 5

POSTED: | BY: Casey Zanni

Great customer service and was…excellent!

Great customer service and was attentive to my needs.
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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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