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: Jose Luis Sanchez-Ortiz

Excellent customer service

Excellent customer service. Excellent claim processing practices. They are extremely efficient when it comes to claim processing.
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1

out of 5

POSTED: | BY: Jean Pierre

I am sorry to have changed insurance…

I am sorry to have changed insurance from Nationwide. The claim process is cumbersome and they keep asking me to contact my vet for my 3 dogs history, something they should have done last year. I strongly advice pet owners to avoid this company…
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5

out of 5

POSTED: | BY: Lyndsey

Highly Recommend

I've had Embrace for about five years. They have never denied a single one of my claims and also process them in a very timely manner. I'm so grateful to them as my pup has gotten older and had more medical issues.
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5

out of 5

POSTED: | BY: Deborah Oberto-Collins

Embrace insurance does what they say

Embrace insurance does what they say. They’ll do and covers what they say they will. Customer Service is always ready to serve you with the answers to your questions. The cost of the policy is reasonable and definitely a good idea if you’re a pet owner.
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3

out of 5

POSTED: | BY: Deb

Difficulty finding diagnosis

I had two claims to submit. The first one was simple and I would rate the proccess a 5 star. The second invoice was more difficult because I was unable to find the diagnosis in the drop down menu. It then states if you can't find the diagnosis put it in the description box. When I tried to submit it said unable to process the claim. So I picked one from the drop down menu that was the closest and included the description of the diagnosis in the box. I was able to submit it but unsure if it will be processed. I will wait and see.
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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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