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.
5

out of 5

POSTED: | BY: Joseph Klepacki

Really great experience

Really great experience. Easy to use, great customer service both on the phone and in the online chat customer service. Prompt processing and payment. No nonsense, just plain and simple great service.
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5

out of 5

POSTED: | BY: Andrew

very easy and fast

very easy and fast. thank you!
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5

out of 5

POSTED: | BY: John Edinger

Claim settlement

Agent was courteous and professional. Assisted in allowing me to text a receipt rather than by e'mail to expedite the claim process. I believe the agents name was Dan.
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5

out of 5

POSTED: | BY: 321

Great online process for claims.

The situation with our dog was beyond stressful and the claims process was unbelievably easy and stress free. Online process was easy and went through very quickly.
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4

out of 5

POSTED: | BY: Warren S

Will stick with them

Response time is great. I really cannot complain about much except for two things: 1) They appear to be inconsistent regarding what a pre-existing condition is. Sometimes covered; sometimes not. Frustrating. 2) Our vet sent them our dog's complete medical history but they seemed to lose it. I had to re-send it to them myself. This should not happen. Once they got it (and they've received this before) they did act quickly. Again, cannot really complain as their customer service seems to be very good and their coverage, while not quite as extensive as I was hoping, is good, we'll stick with them for a long, long time.
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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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