Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Susan Johnson

Ease of claim submission

I absolutely LOVE how easy it is to submit a claim. It couldn't be more straightforward. I have two dogs on my policy. Easy to choose which dog. Easy to upload invoice.
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5

out of 5

POSTED: | BY: Stacey Shertz

I needed to remove a kitty from my…

I needed to remove a kitty from my insurance. It was quick and they even backdated the payments.
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5

out of 5

POSTED: | BY: Glennnn

Great coverage and quick claim…

Great coverage and quick claim resolution.
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1

out of 5

POSTED: | BY: Lindsay Longo

Not a good experience

When I enrolled my dog, it was a great experience. However when I filed the first claim, it was by far the worst customer service I received. I ended up canceling. No on will answer any message you send through the app. Until I found executives to email, I finally got a response after 3 weeks. I will never use this company again.
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5

out of 5

POSTED: | BY: Audrey Brinson

My reimbursements have been processed…

My reimbursements have been processed quickly. This is the first time we ever got pet insurance and I am really happy with my choice
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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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