Embrace | Pet Insurance Review

4.4

out of 5

Number of reviews 19,876

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: Teresa

Very easy to submit s claim and very fast on paying

Very easy to submit a claim and very fast paying. One thing I would improve is to not have to have the vet fill in the claim form. They are busy and that takes a lot of time. The invoices state what was done.
5

out of 5

POSTED: | BY: Meg

This was a simple, fast, easy claims experience.

Great claims handling! thank you!
5

out of 5

POSTED: | BY: Susan

Customer service is always prompt and courteous

Embrace has always been our insurance provider and they’ve always been excellent in covering our beloved pup! Great customer service, great on line submission of documents and quick payment.
5

out of 5

POSTED: | BY: William

Awesome protection

We have Embrace insurance and Wellness coverage for both of our dachshunds. Their insurance is very affordable and easy to file a claim. The customer service is awesome. They let you know when a claim has been received and when it has been settled. The reps are very friendly and patient. The underwriters are very professional. We are so glad we switched two years ago. We would recommend Embrace to anyone looking for coverage for their pets.
5

out of 5

POSTED: | BY: sandra

Compassion

Very helpful and concerned. Went above and beyond to help us when found out the claim was about the death of our pet.
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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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