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: Betty Goodwin

Just started my Lil Odies insurance

Just started my Lil Odies insurance. The customer service was excellent above and beyond which made me even more comfortable in choosing them.
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5

out of 5

POSTED: | BY: Gaye M

Super nice representative

Super nice representative! Unbelievably, my claim was paid in AN HOUR!!!!
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1

out of 5

POSTED: | BY: Curtis Ceballos

After years of paying

After years of paying, no claims ever and make one claim for 576.00 and you decide to pay 72.00??? That is downright rude!
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5

out of 5

POSTED: | BY: Karla Gorsky

Easy to Work With!

Super easy to process claims and payments are made very quickly!
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5

out of 5

POSTED: | BY: Yesi M

Best Pet Insurance

This review is a little overdue because I have been a customer for almost a year now so there are various interactions I need to rate. I held off because I hadn’t needed to use the claim process so previous to that didn’t feel I could provide actual feedback on Embrace. However recently I had to submit a claim and I can say the process was super easy and smooth. This was my first time submitting a pet insurance claim but I found it easier than submitting an FSA claim. I was also able to get a pre certification prior to my dog’s surgery within a week of requesting which made me a feel a little more at ease. Customer service is top notch and it is obvious it must be something Embrace distills in their employees. Every individual I have interacted has been super knowledgeable and extremely friendly. I have already recommended Embrace to friends looking for pet insurance.
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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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