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.
2

out of 5

POSTED: | BY: Robert Frank

I previously had pet insurance through…

I previously had pet insurance through Nationwide. The only reason I switched was due to Embraces relationship with USAA. After the first claim I received an email stating they were doing a health history check on my dog. Shortly after I received an email with a list of things they won’t cover. Many of these things were temporary in nature, like diarrhea. It would be like my insurance saying you had a cold six months ago, we won’t cover anything related to a cold for 1 year. Buyer beware. They are polite. That’s about it. I should have never left Nationwide.
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5

out of 5

POSTED: | BY: Carol

Excellent representative…

Your representative was thorough in her knowledge of your different options for me to insure my new cat. She listened carefully to me and was patient in answering my questions
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5

out of 5

POSTED: | BY: Pamela Swearingen

We have used embrace for over 15 years…

We have used embrace for over 15 years and always have had great service. Easy to submit a claim on their phone app . And usually fast reimbursement into my checking account. Despite the increasing rates for insurance, embrace gives us peace of mind to help care for our pets. . And we are glad to have embrace!
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5

out of 5

POSTED: | BY: Danny Priest

Nice, Knowledgeable, and Flexible

It was very easy to submit a claim, and when I messed up and did not quite do things the way they intended, I was helped and walked through how to remedy the situation. All over email, which I appreciate because I do not like talking over the phone. They also processed my reimbursements within 24 hours of claim approval. Overall very nice, and great process, and employees.
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5

out of 5

POSTED: | BY: Dennis Alves

The best pet insurance company

Submitting a claim is super easy
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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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