Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 15,810

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 15,810

Updated: May 29, 2024

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: Fran

Godd customer service

This was a wellness claim that also had illness on it. I faxed my claim in. The claim was split into two claims and processed quickly.I had to call once to check on a question I had about it and the staff was very freindly and helpful. I also emailed once to check on the claim 14 into it and received a quick response same day and told my check was in the mail. 4 days later I received the check.
5

out of 5

POSTED: | BY: Michelle

Easy

Process was very easy, printed forms on line, attached paperwork and mailed. I was able to keep track of status on line. I was kept informed of my claim via email the entire process. Very good customer service.
4

out of 5

POSTED: | BY: Connie Shown

Communication is timely and reviews are fair

Timely reviews and reimbursements.
5

out of 5

POSTED: | BY: Judy Hoffmire

Very good service

I had misunderstood some things about the insurance and the people at Embrace were all very helpful and friendly. I appreciate that they stay in contact and keep me updated about my claims.
4

out of 5

POSTED: | BY: Steven Carrion

No Tricks Up their Sleeves

This is an honest, people friendly company. Embrace clearly explains its benefits and limitations so there are no bad suprises. Correspondance from Embrace always makes me feel like I'm valued as a client, not just an anonymous number. If all isn't clear, their telephone help is great, and payments are very fair, though I also wish there were more far reaching Wellness benefits. My dog was taken in for yearly exam, shots etc. We promptly received exactly what was promised. I wish that I'd started out with Embrace and barring too many changes, I'll stick with them.
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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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