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.
3

out of 5

POSTED: | BY: Consumer

Customer service

Even though they had all necessary information they still denied my claim. I had to call them and let them know that they had everything and to please review the claim. They did and I was paid. The fact that I had to call them for this was unnecessary.
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5

out of 5

POSTED: | BY: PuppyPower

the application process was simple

the application process was simple. Billing and claims filing is easy and the pricing is great
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5

out of 5

POSTED: | BY: Laurie Grasty

Easy to use

Easy to use, clesr instructions.
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5

out of 5

POSTED: | BY: Farah Chishty

Making a claim painless

Easy format and instructions! Hard as it is to file for a pet that is gone...I found it less painful...Thank you
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5

out of 5

POSTED: | BY: Cindy Weaver Pebley

Wonderful customer service

We recently added a puppy to our policy. We wanted the same coverage that we have on our older dog but couldn't find the options on the website. I called and was provided exactly what we wanted in a short amount of time. *We have not filed a claim yet.
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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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