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: Gail Hoff

Very satisfied

I have had to file claims for 2 different dogs over that past few years and have found it easy to file the claims and have found this company responsive to them. They did verify the claims with the veterinarians involved, but unlike so many insurance companies, they did not try to disallow anything that my plan was supposed to cover. I will continue to use them for pet insurance.
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5

out of 5

POSTED: | BY: rod alc

Amazing service

Embrace is easy and efficient to work with. Never had any problems with my claims and most of the time they are paid within 7 days. Couldn't be more happy with them.
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5

out of 5

POSTED: | BY: Francisco and Ana Prada

Vet or Wellness Claims

When I sent my dog claim, the representative responded quickly.
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5

out of 5

POSTED: | BY: Joel/Kim Bukal

We did everything through our Allsate…

We did everything through our Allsate agency. Went smoothly.
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5

out of 5

POSTED: | BY: Holly Klein

MyCustomer Service Representative was GREAT!

Your Customer Service Representative I worked with was #1 in my book! Very helpful and knowledgeable. The info needed was easy to apply. The peace of mind is wonderful. Thank You!! A+
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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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