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: customer

I have had no issues using Embrace

I have had no issues using Embrace. They make the claim experience simple and the customer service representatives are friendly and helpful!
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5

out of 5

POSTED: | BY: Deborah Esparra

So easy to submit a claim!

So easy to submit a claim!
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5

out of 5

POSTED: | BY: Jill Peduzzi

Easy to use system

Easy to use system, takes very little time to submit a claim!
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3

out of 5

POSTED: | BY: Lollo

No answer to my email is NOT GOOD …

We are new customers so my review entails communication, etc. versus a claim. I sent an email that is now a week old and I have had no response so thus far I am displeased and this does not bode well for future interactions/claims. I called hoping for clarification and was told that my inquiry was basically unnecessary because the company normally takes care of contacting the Vet, etc. That’s great except that I received the email requesting the forms, etc. If, in fact, I don’t have to submythese forms it should have been clearly stated in the email. Sloppy? I’m not sure yet, hopefully, it’s just poor communication.
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5

out of 5

POSTED: | BY: James Myrick

Simple Claims

Claims are simple and it really is a great value.
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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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