Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,305

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: Leanne

Thank goodness for Dog insurance with Embrace

My dog was hit by a car and Embrace were very helpful when I called them about this. I submitted all the paper work and received payment within a few days. Would recommend them Easy to use system for claims and extremely polite staff.
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5

out of 5

POSTED: | BY: Stanley Hosmer

Efficient

Fast, thorough, and efficient claim process.
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5

out of 5

POSTED: | BY: Ann H Davis

Very pleased with Embrace

Embrace Insurance has a easy to use app for filing claims and they provide excellent communication about the status of a claim. I am very pleased with the coverage our policy has provided.
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1

out of 5

POSTED: | BY: Angela Caprara-Kite

They can can’t answer my questions

I keep calling I get no answers today. I got put on hold and then to a voicemail which no one’s responded to. I haven’t paid any of my claims since August so I would say I am not a very happy customer. They used to be great, but now not so much..
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5

out of 5

POSTED: | BY: Margo

I am going to be honest

I am going to be honest: I was worried. But my first claim ever submitted was so easy and the wonderful employees at Embrace processed it so quickly, delivering me a comprehensive breakdown and everything and a quick return on my refund. My pup needed extensive testing with a specialist and I would do anything for him. Embrace gave me peace of mind that I could do that and more within my policy and have the financial help I needed to do it. I cannot speak more highly of Embrace and will continue to utilize their services for my pup now and my pups in the future.
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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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