Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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.
1

out of 5

POSTED: | BY: Kathryn Lynn

My dog has been having post-op rehab

My dog has been having post-op rehab. Sometimes the claims are paid and sometimes the same treatments are denied depending on the underwriter. I have used Embrace for over 10 years but will change from them for my subsequent dogs because they have become so inconsistent. Also, different underwriters give different interpretations of identical covered modalities. They have become a nightmare to deal with. and every claim turns into a phone call.
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5

out of 5

POSTED: | BY: Rayna Phillips

Top-Notch

I have to say, this is not my first experience with pet insurance, but Embrace has by far best my best. The proficiency and speed at which they process claims are amazing. Thanks for being top-notch in my book.
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5

out of 5

POSTED: | BY: Lisette Hernandez

I definitely recommend Embrace Pet Insurance

Embrace Pet Insurance made it very easy to file a claim through the app. They reviewed my case very fast and was able to get me my claim check very quickly. I was very surprised with their turn around time. They reviewed my claim after 48 hours after I submitted my claim.
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5

out of 5

POSTED: | BY: Stephanie G

This has been an easy process…

This has been an easy process submitting claims. The website is user friendly and the coverage met my pets needs at a low cost. I have not had any issues so far, thank you!
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5

out of 5

POSTED: | BY: Kymberly Taylor

Great Service

Great customer service. Easy to use tools to submit the claims. Deposit came quickly. All around great service!
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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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