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: Jeff

Great Customer Service

My 7 month old lab/boxer was spayed/microchipped about a month after I got Embrace pet insurace for her. The claim was processed and reimbused within 2 weeks of submittal and representatives followed up once I submitted my claim, once the check was sent, and to verify I received it. It was very fast and easy experience.
5

out of 5

POSTED: | BY: Alexandra

Quick and Courteous!

Recently I submitted my first claim to Embrace. Only a few weeks later I received confirmation that my claim had been processed and I would be reimbursed within 1-3 business days. In addition, throughout the process the claim representative was very prompt in returning my questions and was quick to clarify issues which presented roadblocks to reimbursement.
5

out of 5

POSTED: | BY: Deb

Gastritis Claim

Thanks Embrace,Claim Process was nice and easy for my first one. Gives me even more peace of mind. (As much peace as I can get with 2 young pups that are into everything!) Keep up the great job!
4

out of 5

POSTED: | BY: Jim

quick and easy

wellness claim paid and direct deposited in days
4

out of 5

POSTED: | BY: Alan

Quick, Easy Review & Approval

Embrace is the first pet insurance I've used ... although I've had dogs for many years. They're proving to be fast, polite and accurate. Thus far, I've only had one claim, that they quickly approved against my deductible. It seems they're straightforward and professional. Alan
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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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