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.
5

out of 5

POSTED: | BY: Michelle

They cover everything, including prescriptions

They are thorough and want proper documentation, but as long as all your ducks are ina row, the coverage in exactly what they say it will be.
5

out of 5

POSTED: | BY: Kathy

Excellent follow up

This company has one of the best follow up procedures. I receive emails that claim was received and in process p, as well as determination of claim. Veery impressed with the service the company provides.
5

out of 5

POSTED: | BY: Susan

Embrace is awesome!

We enrolled Chloe, our golden retriever, when she was just 9 weeks old. We have used Embrace for both wellness and illness vet visits. All claims have been handled efficiently, professionally and on a timely basis. It is very reassuring to have pet insurance and know we have the coverage needed for our gal.
1

out of 5

POSTED: | BY: Rayee

The worst Insurance i ever had!!!

Had to file an appeal.I also sent letters written from the Dr. and they stated the claim was still not covered. Found every excuse possible to not pay the claim.
5

out of 5

POSTED: | BY: jenny

AMAZING FOLLOW UP AND SUPER NICE AND HELPFUL!!

When I had questions about how to file a wellness claim, I was helped by amazing nice and friendly customer service, and they followed up by sending me a claims form (though I did not request it since I had one from a prior email). My claim was processed super quickly with no problems. I love you guys!!!
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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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