Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,927

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: Rita Williams

This was my first-time submitting a…

This was my first-time submitting a claim I spoke with Jordan and she instructed me on how to submit a claim and I had no problem. Jordan has excellent customer service and I appreciated her help.
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5

out of 5

POSTED: | BY: Darlene

I've been with Embrace from the time I…

I've been with Embrace from the time I got my dog. I'm very happy with the service and the convenience. I hughly recommend them to everyone.
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4

out of 5

POSTED: | BY: Dena McAtee

Easy to make claims

Easy to make claims. Prompt payment. However, very difficult to connect to customer service.
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4

out of 5

POSTED: | BY: Eduardo Flores

You get what you pay for

Embrace is not by cheap by any means but I’m not sure how much cheaper other insurers are. I do feel like I get what I pay for, the claims process is easy. I have a plan which reimburses me 90% of all medical bills including shots and wellness checks. I pay roughly 160$/mo. for 2 small Yorkshire terrier’s. I’ve been reimbursed 90% on all my wellness and occasional “incident” visits with no hassle from embrace. Luckily I haven’t been in need of anything big but I’m positive they will be there to support us in those tough times. What you really receive is peace of mind knowing that you can focus on your pet instead of the financial side of things.
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4

out of 5

POSTED: | BY: Kenneth

The process to file a claim is not that…

The process to file a claim is not that hard. Usually the only thing I have trouble with is logging in, I forget my password often. Embrace Pet Insurance is a good company, they have helped a few times. When ever I have to call them for help they are very courteous.
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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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