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.
1

out of 5

POSTED: | BY: Katrina

Fake promotion

They ran a promotion for a $25 visa gift card to add a new pet. I called to add one and was waiting on the gift card and never received it so I called back and the rep said that it was apparently only online if you add the pet yourself which I was going to do. I had it set up online but I only called because I had questions on coverages. So they’ll only reward you if you don’t talk to someone? It should work both ways and now I’m out $25.00. I would think as a courtesy they could still send it or credit me in some way due to the poor communication, but even if I cancel my pet and re add her online it won’t make a difference now. Never had issues before now and this is something I felt they should’ve taken initiative to make right.
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5

out of 5

POSTED: | BY: Joe C

Filing a claim online was fast

Filing a claim online was fast, easy, and intuitive, vastly improved over a few years ago. Claims have also always been reviewed, decided, and paid quickly, often the same day.
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5

out of 5

POSTED: | BY: Patricia Cremens

Embrace processed my claim in less than…

Embrace processed my claim in less than 24hrs!
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5

out of 5

POSTED: | BY: PATRICIA DOUGHERTY

The staff as well as the doctor were…

The staff as well as the doctor were very patient and helpful in evaluating Rylie's condition and providing suggestions as well as recommendations as to handling this issue
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5

out of 5

POSTED: | BY: Russ Mulholland

Easy and efficient

Easy and efficient. Would not ever use any other company. Thank you.
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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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