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: 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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2

out of 5

POSTED: | BY: Orit

Monthly payments

Had this insurance for my Doberman for 3 years , 4 days ago, the first time I filed a few claims that I was holding due to the luck of time to deal with it. Today, I looked at my bank account and my policy went up from 233.00 a month to 309.00 amount .the original quote I got was 133.00. I really don't understand why his insurance is as high as mine. I did not received yet any reimbursement for the bills. So for now I gave 2 stars. Lets see what happens maybe I will change the review.
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5

out of 5

POSTED: | BY: Yesenia Solis

Amazing service

Amazing service! It’s worth purchasing for any pet. It can certainly save you a lot of money. Unfortunately, unexpected accidents and conditions will strike your pet!
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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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