Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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.
3

out of 5

POSTED: | BY: Diane

There needs to be more options for…

There needs to be more options for diagnosis or at least a general exam with the Additional Details for actual description of what was happening.
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5

out of 5

POSTED: | BY: Elizabeth Missakian

The customer service representative was…terrific

The customer service representative was terrific. She was respectful of my time, knowledgeable, and efficient in getting answers to my questions.
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5

out of 5

POSTED: | BY: Hoffman

So easy to submit a claim.

So easy to submit a claim.
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5

out of 5

POSTED: | BY: Luke Herman

Amazing comfort and customer service

We entered into the world of pet insurance not really knowing what we were getting ourselves into. When we first signed up with Embrace, our representative was communicative, resourceful, knowledgeable, and most of all reasonable. We didn't really think we would need to use our and planned to keep it in the back of our minds as a "just in case" measure. Unfortunately, that turned out to not be the case. Our puppy fell ill very shortly into our lives together. From the very first claim filed through the ultimate decision to end his suffering, the team at Embrace was outstanding. We were comforted knowing that we could provide as much care as was needed - and when the time came to make the hard decision, the outreach from Embrace warmed and comforted us. While I certainly do not wish our experience on anyone, I'm happy to have had Embrace with us through it.
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5

out of 5

POSTED: | BY: Emily Tryon

Quick pre-approval process and timely…

Quick pre-approval process and timely reimbursements. Easy to upload invoices for claims!
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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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