Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,347

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: J. McAvinn

very good follow-up

It took awhile to get the claim paid, but it was the fault of the vet, since he did not get the records to Embrace in a timely manner. Embrace kept up with polite reminders to us that they couldn't process the claim, until the vet got them the records. As soon as we resolved the situation with the vet, the claim was quickly closed by Embrace
5

out of 5

POSTED: | BY: Jodi Kimizuka-Connelly

Very Professional in a Very Caring Way

We are very pleased with the service we receive from Embrace for our two French Bulldogs. We are informed of our claim status every step of the process and always know we are receiving the best service. These people care about their customer service and they care about their most important clients... the pets!
5

out of 5

POSTED: | BY: DJW

Fabulous

our little fella has hip dysplasia and Embrace has been fabulous. I will FOREVER recommend Embrace for providing excellent coverage, customer service and prompt claim processing. They are WONFERFUL and did I mention FABULOUS!!!!
1

out of 5

POSTED: | BY: Jen Rhodes

difficult to process a claim and get any money!!

They make you go through so much to get reimbursed. Basically, they hope you give up. With all the time I put into processesing a claim I could have worked those hours and made more money to pay for my vet bills. TERRIBLE
5

out of 5

POSTED: | BY: Cathie

Wish my health insurance was this responsive

This is my first experience with pet insurance and so happy I chose Embrace. The Company proactively followed up on my claim for my puppy's well visit and a check was sent to me right away.
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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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