Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,934

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: Marc

Excellent Customer Service

Interaction with the Embrace rep was excellent. After shopping several other insurance companies I got the best explanation of benefits from Embrace. Also it was the only company that offered additional discount to military vets.
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5

out of 5

POSTED: | BY: Rachel

Fabulous process for claim submission

Fabulous process for claim submission! So easy and it can be done online or through the app. Easy to take a photo of the invoice with my phone and upload it to the claim department. Lightning-fast turnaround on payments and they just go directly into my bank account. Thank you for making the process so smooth and efficient!
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5

out of 5

POSTED: | BY: Steve Moore

Keeping our pets in tip top shape

Dr. Cheramie is kind and understanding. He listens well and gives us all the options to make an educated decision.
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5

out of 5

POSTED: | BY: Virginia Ross

New Policy Holders

We were looking for comprehensive coverage for or two dogs. We are very pleased with the coverage, attention to our needs, and when reaching out, staff were very cordial and listened.
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3

out of 5

POSTED: | BY: Rika Rocero

Staff on the phone are nice but filing…

Staff on the phone are nice but filing a claim and working with them about it is very stressful, not very helpful. I’ve submitted several supporting documents and it still says pending when they should have the documents already.
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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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