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: Ann Frank

The customer service is amazing

The customer service is amazing. Very knowledgeable and friendly representatives. The initial process with the first claim takes a little time but that's just because they're reviewing the animal's history for the first time. My claims were approved appropriately.
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5

out of 5

POSTED: | BY: Mike dundee

My claims are handled very fast and…

My claims are handled very fast and fairly. Customer service has always been very helpful . Best decision ive ever made
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5

out of 5

POSTED: | BY: Terry Vaillancourt

I've had Embrace for years

I've had Embrace for years. Whenever I talk to the staff I am always very satisfied with their knowledge and compassion. They are not in a rush and they take their time to answer all of your questions. They are also fun people. Everything is transparent and you know what you were purchasing up front. When our puppy died, I can say that I was relieved knowing that we did everything we could and Embrace supported us. Carolyn and Terry
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5

out of 5

POSTED: | BY: Debra Jacobsen

Much improved from a previous claim

Much improved from a previous claim. Smooth and easy, no hassles.
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5

out of 5

POSTED: | BY: beatrice turner

The website is not too good.

The website is not too good.
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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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