Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,380

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: Joanne

Fast Reponse & Great Customer Service

This is our first experience with pet insurance...so far so good! We should have signed up in the past with our other pets. We have made two claims so far. Each time it was very easy and we got a very quick response. The customer service is wonderful. Embrace makes us feel like we and our pet are important to to them. They really care about their customers!
4

out of 5

POSTED: | BY: Anne

Stay in touch very well.

Thank you for all the emails and keeping me informed about my claims. I appreciate it very much-Anne
5

out of 5

POSTED: | BY: Stephanie Mount

Happy with coverage and reimbursement!

On Christmas Eve, we ended up taking our dog, Arrow, to the emergency vet. With a house full of guests and another dog, Arrow had over eaten which lead to food bloat. Several x-rays and overnight at the vet led to a pricey bill. This was the first time we had submitted a claim for an accident/incident and had no idea how much money would be reimbursed. Upon submitting the claim, I was notified it was received and told me I should be notified within 15 business days. I had a check in about 2 weeks. They covered about 45% of the cost (based on our plan). Just this week, they checked in on Arrow. That personal touch goes a long way with me.
5

out of 5

POSTED: | BY: Rachel O'Mara

Wellness Claim

Service was amazing, took only about a week to process the claim, and the whole way the costomer service is wonderful!! So happy to know the Belle has great insurance! So glad we made the right choice!
5

out of 5

POSTED: | BY: Theresa Santore

Great first time experience

I've had this insurance for a little over a year, but this was my first time making a claim. Every representative I was in contact with was very helpful and courteous and made the process as painless as possible. I am very happy with my experience and the company.
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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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