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: Michelle

Claims process is easy to use

Claims process is easy to use. Great customer service. I have been with Embrace for over a decade and highly recommend them.
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5

out of 5

POSTED: | BY: Anna Rodriguez

I have had Embrace pet insurance for…

I have had Embrace pet insurance for years! Luckily up until recently I have not needed to use it. I am writing this review based on the refund time I received! It was a few costly trips to the very, and they refunded it within a few days! I know people who say they waited a month minimum with other companies. This is how you support your customers! I actually had to get him surgery today and used the refund money to pay for it until I get it refunded as well! Great customer service, highly recommend
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5

out of 5

POSTED: | BY: Bernie

Easy to contact and deal with…

Easy to contact and deal with Representatives. Always friendly and courteous.
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1

out of 5

POSTED: | BY: Laura Newell

My claim was not processed properly…

My claim was not processed properly until I had to call and the customer service representative realized that the claims processing did not operate as it should have. This whole thing was a nightmare. I couldn’t be more dissatisfied. At least your customer service representative was able to help me, because the rest of you all dropped the ball.
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5

out of 5

POSTED: | BY: Steve Fisher

Embrace is always helpful

Embrace is always helpful, easy to navigate and responsive. You couldn't ask for a better experience and support for your loving family member
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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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