Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: John P.

Embrace, the best around !!

Our experiences have always been wonderful with the Embrace Claims process. Recently we had to take our dog to an Emergency Hospital due to a head trauma. I filed the claim later that morning after we returned for the sole purpose I would not forget. The claim was approved in less than four hours. Astounding service, they have always been approved quickly but this time was amazing. I filed on a Monday and received payment on Saturday. The coverage we chose has never let us down.
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3

out of 5

POSTED: | BY: Kathi Cohen

This was my very first claim for Clark…

This was my very first claim for Clark Gable so I understand that it took a rather lengthy time to process. I received an email more than 10 days ago explaining the amount of money I would be receiving . I’m still waiting for the the check to arrive so I cannot give an honest opinion of your service yet!
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5

out of 5

POSTED: | BY: Kathleen Hacker

Reality

I submitted our claim two days after we took our pet to the emergency center, on a Thursday, and the claim was approved and deposited the following Monday (minus the 10% and our deductible.) Actions speak louder than any words I could possibly put together. We will be staying with Embrace through the life of our pet.
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5

out of 5

POSTED: | BY: Marie R

I have used Embrace for many pets over…

I have used Embrace for many pets over the years and never had one issue with them. They paid my claims promptly and answered any questions professionally.
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5

out of 5

POSTED: | BY: Corinne

Submitting a claim was easy

Submitting a claim was easy. I like how they confirm the submission of the claim, and the turnaround time is prompt. And contacting Customer Service is also very easy.
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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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