Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,937

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: Dianne

Easy claims process

My experience with Embrace was positive. I like their online account information where you can view claim status. My vet filled out the necessary paperwork and faxed the claims. I received a claim response within a couple of days. I had to follow up with my vet to ensure they sent health history and I was issued a paper check by mail. Direct deposit is available if you set it up. I called customer service to request claim forms and they immediately emailed them. I would highly recommend Embrace Pet insurance for peace of mind.
5

out of 5

POSTED: | BY: Michael

No hassle,very helpful

I picked up the insurance for my Doberman as a puppy and knowing she was going to get spayed the money I saved was incredible absolutely no hassle whatsoever and the reimbursement came as quick as possible Hub
5

out of 5

POSTED: | BY: Debra

Great service for our Frenchie's surgery!

Our French bulldog just had disc surgery - major operation. Embrace was exceedingly wonderful! Each claim was handled promptly and we were informed about the process each step of the way. Then the reimbursement was excellent for a very expensive operation.
5

out of 5

POSTED: | BY: Izzy

Takes great care of our puppy!

This is our first experience with pet insurance. Our puppy had several health issues early in life, and Embrace has been great in reimbursing our varied claims. I highly recommend Embrace.
1

out of 5

POSTED: | BY: Janet

Bad experience

I bought pet insurance with the understanding that the records would be reviewed and exclusions would be clearly notes up front That was not the case and I will not recommend the company It could only work if you had s puppy so read the policy and don't get surprised with a 4K vet bill that I thought would be covered Bad experience
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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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