Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,784

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.
1

out of 5

POSTED: | BY: Alan Eisman

I Thurs picked the wrong insurance company …

This was the worse experience I have ever had with any insurance company. They have gone out of there way to not pay this clt
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5

out of 5

POSTED: | BY: Thomas

My experience with Embrace has been…

My experience with Embrace has been very good. I fill out the claim after any vet visit and in a few weeks I get reimbursed. My claims have been for general check ups and I have never had to talk with anyone from costumer service. I can't comment on that but overall I think it's worth the money and piece of mind knowing my pet is covered
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5

out of 5

POSTED: | BY: Ruth Halbach

Filing a claim was easy…

Filing a claim was such an easy process. Once all the pieces were in place, reimbursement was quick.
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5

out of 5

POSTED: | BY: Peggy

We have been with Embrace for many…

We have been with Embrace for many years, they have been awesome. Depending on the coverage you decide on, just trust they will honor their commitment. We have 2 english bulldogs and a Dogue De Bordeaux and 2 kitties.
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5

out of 5

POSTED: | BY: JT

Easy to submit claims, great customer service

I have had Embrace pet insurance for just over a year. During that year we have had to submit a couple claims. Using the the Embrace app, it is easy to submit my claims and I received a response and my reimbursements very quickly, usually within a week. The last claim took 48 hours to process. So far I am very impressed with Embrace.
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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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