Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,000

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: Isidore

Embrace is Tops

I haven't had to file a claim yet but I want to say that my experience with customer service, with signing up and with the company's willingness to listen to me when I thought they'd made an error in the review of one of my cats medical histories has been excellent. Staff are friendly, cordial, professional, more than willing to help and knowledgeable. So far I couldn't ask for more.
5

out of 5

POSTED: | BY: Van Winkle

Very easy to submit claim

Very easy to submit claim
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5

out of 5

POSTED: | BY: Ian

Fair Company

Initially, my claims were rejected which was very frustrating. However, the Embrace customer service staff was really helpful with status updates and appeal procedures. I thought it was a pointless battle but they reviewed the additional information from my pet’s veterinarians and eventually reversed their decision and approved my claims. Very grateful for all their help.
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5

out of 5

POSTED: | BY: Laurie Taylor

The process was quick and efficient.

The process was quick and efficient.
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5

out of 5

POSTED: | BY: Momoko Kaneda

Jessica has been the Best!

My experience with Embrace has been great so far thanks to my Claim Adjuster, Jessica C. Jessica has been super thorough and prompt with communication, and patient with all my questions and requests for onboarding my dog Ace onto his plan.
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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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