Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Carol Sherwood

Embrace pet insurance application for…

Embrace Pet Insurance application for submitting claims is very user-friendly, which is a big plus! Also, they’re friendly customer service are always helpful with any questions that you have by phone or email. We are recommending Embrace Pet Insurance to all of our fur parents for peace of mind in car of their fur babies! Thank you Embrace!
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5

out of 5

POSTED: | BY: Mari S

Great for emergencies

I have had Embrace for a few years now. Moses my furbaby recently became ill and had to have surgery. I am very happy that we will be able to get some of the money spent back due to Embrace.
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1

out of 5

POSTED: | BY: Anne Kinchen

Lack of information on required veterinary report : I recently purchased a policy for two…

I recently purchased a policy for two cats and a dog. One cat had been insured by Embrace for several years, but I added in the other two pets to avoid any surprises in the future. The person that sold me the policy told me the dog needed to get an exam within 10 days by the vet in order to avoid a six month moratorium on any orthopedic issues. I took my dog to the vet and told him I needed the health report for insurance. That’s what the insurance broker had told me. I called Embrace’s customer service to ask them what I was supposed to do with the Health report now that I got it, and that person said there was an actual orthopedic report form that had to be completed by the vet? The person that sold me the policy did not tell me that. The customer service rep said that theywere emailing me out a form that I could give my vet. Hours later, I searched my inbox and there’s nothing there? Not sure this is such a great company to deal with?
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5

out of 5

POSTED: | BY: Olivia B

Clear Information & Quick Claims Review Process

I have had a great experience understanding my coverage and getting claims approved in a timely manner. Their team has been great at answering my questions and helping me select a policy that fits my needs. Highly recommend Embrace to all of my friends and family!
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5

out of 5

POSTED: | BY: Nadine

I should have written a review long ago…

I should have written a review long ago but this insurance and their customer service is outstanding! Thank you for having my Frenchies back no matter what and that incredible speed with reviewing claims and reimbursement. My dog is in treatment since last year April and I know that I can count on you with every single treatment!
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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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