Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Deborah

did a lot of comparison before I chose Embrace and so glad I did!

Prices and coverage are very reasonable, great customer service, and easy claim filing. I especially love being able to structure the coverage options and deductibles in a way that meets the needs of my pet and my budget. I have 2 dogs, 5lbs/11yrs and 165lbs/4yrs, totally opposite ends of the breed, age, and weight spectrum, lol, and Embrace has come through for them each time I needed them too! Best bang for my bucks!
1

out of 5

POSTED: | BY: Patrick

I'm questioning the worth of this policy and whether this company cares AT ALL about it's customers

Every time I submit a claim in this company they start a delay and deny tactic. It is very convenient (for them) that they do not have all the required documentation EVERY time a claim is submitted even though this information has been provided multiple times in the past.
5

out of 5

POSTED: | BY: cindy

Very timely response time

Excellent coverage, nobody likes to pay a monthly premium, however when I submitted my claim, I forgot one page (itemized bill)… was emailed for it and you contacted the veterinary office for it. I faxed it the next day and received a claim response the next day. Excellent communication and response time, will recommend to my friends
5

out of 5

POSTED: | BY: Alexia

Fast Claim service

After my puppy ate a corn cob, it had to be removed from her intestine. Embrace coverage and claims process was easy and fast. I liked being able to log in and check the status of my claim. Thank You!
5

out of 5

POSTED: | BY: rich

Good customer service

Good customer service following up on claims. Reimbursement checks did not take long
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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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