Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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.
1

out of 5

POSTED: | BY: eva

Awful

I have a 4 year old Australian Shepherd and he had an ear infection before I bought insurance through Embrace. Because of this ear infection it is now being called a pre-existing condition not coverable any time through this insurance and he had a skin rash recently after we had insurance for over a year that required veterinary care and that was lumped with the ear infection and considered a pre-existing condition but the rash happened during the policy period. Really is my dog the only one that gets an ear infection and allowed only one in his lifetime or one rash and then it is considered a pre-existing condition.
5

out of 5

POSTED: | BY: Ruble

Insurance claim

My VET's office submitted the paperwork for reimbursements. Their was a quick turnaround time by Embrace.
5

out of 5

POSTED: | BY: Nicole

Best pet insurance hands down!

I have been using Embrace for 4 years now and I’ve never had an issue regarding claim coverage. They are prompt with their reviews and pay direct to my account within days. Their claim process is quick and easy. My dog has had significant medical needs and they have been excellent to work with!
5

out of 5

POSTED: | BY: Glenn

Best customer service of any insurance company I deal with.

Embrace is the most user-friendly insurance company that I’ve dealt with. I know that when I submit a claim it will receive a fair and quick evaluation.
5

out of 5

POSTED: | BY: michael

excellent

I am very pleased with the way my claims have been taken care of by your company. It was done in a timely manner.
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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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