Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Julie Mayhew

We've had to submit several claims for…

We've had to submit several claims for our pets and we have consistently found Embrace representatives to be responsive and helpful. The website makes it incredibly easy to submit claims and communicate with the representatives when necessary.
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5

out of 5

POSTED: | BY: JES R

Claim Process Straightforward and User Friendly

The claim process is straightforward and user friendly.
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5

out of 5

POSTED: | BY: Brenda Houston

Embrace has been amazing

Embrace has been amazing! My sweet boy had a Mast cell Tumor that was discovered at his physical. Embrace quickly approved the pre certification and explained how much would be reimbursed. It’s great knowing I had that peace of mind before my sweet boy went into surgery.
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5

out of 5

POSTED: | BY: Eric G

My claim for my dogs TPLO surgery was…

My claim for my dogs TPLO surgery was pre-approved with no issues. My claim was paid within 2 days of submittal. I called prior to the surgery and everything went exactly as the agent described. I appreciate the simple process and not having to provide a lot of additional information. Long term customer now. Thank you.
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3

out of 5

POSTED: | BY: Valerie O

From five stars to three stars!

Upon discussion with Embrace Customer Service I must change my review response below because the wonderful gentleman I spoke with who deserves a raise because he really is a fantastic person and employee, explained that my claims haven’t been reimbursed because I already hot my $250.00 quota. Which leads me to reflect on just how much of a benefit it is to pay for the extra coverage. ???
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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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