Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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.
4

out of 5

POSTED: | BY: Ronnie Sweeney

I did not see a perfect matching diagnosis

I did not see a perfect diagnostic match when submitting a claim. Phone calling I was on hold 25 minutes. Chat gave me a different answer than the customer representative. They happened at the same time. Instructions to use chat came at about 15minutes of holding.
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5

out of 5

POSTED: | BY: Mike Morton

Easy to use website and clear…

Easy to use website and clear instructions
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5

out of 5

POSTED: | BY: Susan Knutsen

Claims have been quick and…

Claims have been quick and straightforward. Moreover, whenever I have had a question in the last several years, I get a very quick, thorough, and friendly reply. Customer service is very good! I recently tried one of the new pet insurances for a couple of new cats - mostly for the better FORL coverage - but I am considering switching them over to Embrace as well since I have had only good experiences with them around my older kitties.
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5

out of 5

POSTED: | BY: Delainey Asher

Very easy submission process

Very easy submission process
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5

out of 5

POSTED: | BY: Kathy Collings

Very good insurance

Embrace has covered my cat and my cat who is now deceased. The company is quick and fair and complete with their reimbursement for vet bills.
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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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