Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Shelby L. Shoop

Love this insurance

Love this insurance. Claims are easy to submit online. will get it for my next pet for sure.
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3

out of 5

POSTED: | BY: Vivian Ledbetter

This was the first time I’ve used pet insurance

This was the first time I’ve had pet insurance and made a claim. I listed every vet my dog had ever been to as requested. In processing my claim they requested records from all, which I certainly understand. However the various vet offices were apparently slow or not responding so I had to contact them for compliance. This went on for several months. When I called Embrace they confirmed just waiting on one vet, needed a diagnosis code. My little dog is going on 10 years, our vet pretty sure has Cushings disease. For me, the $50 plus per month for insurance just doesn’t seem worth it anymore. I’ll put in a savings account for her instead. I had a $500 deductible and the insurance company did eventually pay my claim over that amount. The company seems ok, just more of a hassle than I expected.
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5

out of 5

POSTED: | BY: Eileen Capuano

Went to an emergency vet visit and had…

Went to an emergency vet visit and had no trouble getting reimbursed. Thank you so much and my puppy is fine ❤️
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5

out of 5

POSTED: | BY: Martin

Phoebe

Just the quick response and streamlining the claim info. It was straightforward.
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4

out of 5

POSTED: | BY: Chantel

Good service

Pretty good customer service, care, and reimbursement. Submitting a claim is pretty easy, although the app is kinda trash, it always logs me off, so I'll have to find my password, so I just always log on with the Internet browser. Turnaround is fast, and contacting the team is also easy! Thank you for helping me take care of my bebes
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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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