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.
4

out of 5

POSTED: | BY: Mark Greenberg

4-5 STAR

Would have been 5STAR except for the last request for the dog's medical records for the past year. All the receipts and invoices were complete. Not sure why this year-long records were necessary. Claim came thru just days after this record was sent, so it seemed unnecessary
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5

out of 5

POSTED: | BY: Judy Miller

Phenomenal customer service and easy claim process!

Embrace just made the claims process so easy! Last year my dog was very sick and had to be transported to OSU in the middle of the night. My claims reached the limit. I thought for sure they would not renew us… but they did. Best decision I ever made!
5

out of 5

POSTED: | BY: Anne Marie Anderson

ACL tear, immediate and ACCURATE reimbursement

My clumsy pup tore his ACL, and I went through my regular vet that then sent me to a surgeon that performed the surgery immediately. After 8 weeks, he had a follow up round of x-rays, so more $$. I organized all the paperwork and receipts, uploaded them through the portal, and was paid out EXACTLY the amount that I had calculated. It's so rare to not have to fight with an insurance company and it's sad that I fully expected to have to do so because that has become the norm. I had the money from the surgery reimbursed to me after 1 phone call to them. I will continue to be a customer going forward because who knows what else this little guy is going to get into and having this insurance is peace of mind.
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5

out of 5

POSTED: | BY: Richard Failla

The customer service person was…

The customer service person was courteous, knowledgeable and resolved my claim issue to my satisfaction
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5

out of 5

POSTED: | BY: Selina Garcia

Excellent and so easy to use

Excellent and so easy to use! Highly recommend. I have both my boys (Labrador and Great Dane) on the insurance and have no regrets!
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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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