Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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 Maguire

Dealing with the representative was a…pleasure.

Dealing with the representative was a pleasure. No high pressure. Very pleasant and friendly.
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4

out of 5

POSTED: | BY: KC Waller

Claim form and bill can be emailed as a…

Claim form and bill can be emailed as a photograph from one's cell phone. Most handy. Processes within ten days or so. Inquiries are answered personally. And Forbes rated this company highly.
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5

out of 5

POSTED: | BY: SM

A COMPLETE coverage including wellness…

A COMPLETE coverage including wellness care which is impossible to get having just one pet insurance!! Affordable & Amazing prices!! A REAL CUSTOMER SERVICE REPRESENTATIVE AVAILABLE INCLUDING WEEKENDS DAYS that informed you without rushing and with the patient, passion & love for what they doing!! Smooth process!!
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4

out of 5

POSTED: | BY: Brady

Uncertain Start but Great overall

The base model of prepaying and hoping that you are reimbursed is really uncomfortable. We had to make quick, expensive decisions before we knew if we would be covered. Thankfully we were properly reimbursed and it ended up being a great experience after the initial discomfort.
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5

out of 5

POSTED: | BY: linda gomez

The best customer service

The best customer service. I always get excellent service and when I have an issue they have always helped and explained to my understanding. To file a claim it is so easy and they are quick in processing it. In my opinion it is the best insurance and I highly recommend them.
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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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