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: Patricia

Embrace Pet Insurance is a Godsend!

Our Tibetan terrier was diagnosed with lymphoma 2 years ago. Still going strong after chemo. Very expensive treatments - 80% covered. The customer service people are great, well-informed, courteous and helpful. I would highly recommend Embrace to anyone.
5

out of 5

POSTED: | BY: Deven

Good about coverage. Direct deposit needs work.

As a whole. Embrace has been excellent. We definitely plan to re-up our policy next year. The one thing that makes me crazy is that I can't set up direct deposit for my claims through my online portal. I'm just not going to sit on the phone to do that, and the fact that everything else about this process is digital makes it seem so silly that I can't set that up more easily.
5

out of 5

POSTED: | BY: Cherie

Second ACL surgery - all good

Our lab mix has had ACL surgery on both sides now. Left last year, right this year. Both times the claim was paid as outlined by the policy and in a timely manner. My vet submitted the claim for me. Couldn't be easier. I wanted a high deductible plan for our dogs and I'm so happy to have found this coverage with Embrace. I've recommended them to all of our friends with pets.
5

out of 5

POSTED: | BY: Heather

They cover what they say they will cover.

Embrace policy is easy to understand, and is very comprehensive. No hassles, just submit proper paperwork, and all goes smoothly.
2

out of 5

POSTED: | BY: Randall

Careful with your wording

The one and only e-mail I received regarding my claim told me that I hadn't provided the necessary information and despite MULTIPLE attempts, I have not responded so the claim's on hold. Well, that was the only e-mail I got on the matter, so I'm offended at the implication that I'm ignoring you. Secondly, all the information was included in the original PDF I sent. The tone of that e-mail needs to be dialed down.
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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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