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: Dolores

This was a positive experience

My cat had an upper respiratory infection that required four trips to the vet and several medications. Embrace processed and paid my claims right after they were submitted. Communication with me during the process and follow-up after the claim was paid was excellent
5

out of 5

POSTED: | BY: Michelle

Great Service

Embrace kept me informed all along the way of the status of my claim and it was handled in an easy, timely manner.
5

out of 5

POSTED: | BY: Anna

Excellent Customer service

Embrace has been very quick to acknowledge claims and to let me know where my claims are in the process. The staff is very courteous and seems quite competent. I would definitely recommend them to other pet owners.
4

out of 5

POSTED: | BY: Alexis

Honest Company

I chose Embrace because of consumer reviews. I now spread the word wherever I go. They are available to answer any questions and are very transparent about what they cover and why/why not.
5

out of 5

POSTED: | BY: Kerry

Wonderful Customer Service

We have had Embrace Pet insurance for about a year now and just reupped for a second term. My experience so far has been nothing but positive. The claims embracerers have been responsive to my questions via email and my claims have gone through in a matter of weeks with autodeposit straight back into my bank account. I have had no problems with coverage of claims, the entire process is smooth and straight forward with an extra added benefit of personalized customer service.
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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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