Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Joan Halligan

Excellent customer support

I haven't had to file any claims yet, but have talked to support several times to adjust our policy and pay premiums. They are knowledgeable, very helpful, and resolve every question quickly!
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4

out of 5

POSTED: | BY: Suzanne

Soooo easy!

Soooo easy!! Communication was a bit difficult but it was basically done for you! I would ask a question and not get a proper response. But then a few days later get the right answer! Very weird but I’m so happy we had this coverage! Also confusing as to what is covered in the future!!! Guess we shall see!
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2

out of 5

POSTED: | BY: Evan Parker-Calderon

Claims on hold while company awaits…

Claims on hold while company awaits unrelated medical records from previous medical providers. My dog is being treated for a skin mass, and yet my claims are being held up while Embrace awaits past records related to optical and respiratory issues from 3 years ago.
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5

out of 5

POSTED: | BY: JP

I love Embrace Pet Insurance

I love Embrace Pet Insurance. They have knowledgeable people who work there and are always helpful. Anytime I have a claim, I am kept up-to-date with the status and once completed, I receive my reimbursement right away! They’re a pleasure to work with. I highly recommend Embrace for your pet insurance.
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5

out of 5

POSTED: | BY: Suzanne

Submitting a claim is so easy!

Submitting a claim is so easy! Fast turnaround, too. Good experience so far.
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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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