Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: C Bass

Clay was wonderful

Clay was wonderful, efficient, fantastic! 😃. He answered all my questions and answered me thoroughly I can’t say enough. He took care of my boys I appreciate it
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5

out of 5

POSTED: | BY: Joseph Delia

Surprisingly Easy and efficient

Surprisingly easy and efficient. Also not the usual monkey business you get with some insurance companies where they make you jump through hoops to utilize the coverage that you paid for.
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1

out of 5

POSTED: | BY: customer

They are good at taking money

It’s terrible, took me 7 months to get an ANSWER about a claim (not even my money). They had all the documentation they needed from me and my vet after a month. They asked for my bank account Information too so they could access that… uh no? They kept giving me the “10-15 business days” brush off (for almost 7 months!!) as well as telling me they responded but never did. I had to file a complaint with BBB, would you know…. I got a response the very next day. Ironic isn’t it? Why a scam, don’t give them your bank info!!
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5

out of 5

POSTED: | BY: A. Murillo

Get Embrace!

Very quick and the Embrace App makes placing a claim easy and straightforward. Their customer service is excellent and I’m a service member so I to pay through my USAA account which is a plus.
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5

out of 5

POSTED: | BY: Laurie Bredeman

Claim was easy to submit

Claim was easy to submit. Receipt of claim was quickly acknowledged,was processed and paid quickly.
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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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