Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Rebecca Stein

Quick, Stress Free Reimbursement Process

I've had a little too much experience filing emergency medical claims for my dog this year, but Embrace has made the process of filing claims and getting reimbursed quick and stress free. They have also been very good about honoring their commitment to cover allowable medical expenses under my policy. I would definitely recommend them to all of my friends looking to buy pet insurance.
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1

out of 5

POSTED: | BY: Daniel Meeks

They still won't process a claim I…

They still won't process a claim I have. My pet has had several physicals and yet they say they do not have a physical on record. Why do I bother carrying your insurance when you delay and put on hold any claims I submit? I'm tired of having to call and work this out with an agent. EC 0521-8050
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1

out of 5

POSTED: | BY: B. Bryant

Payment not received. New check takes weeks.

I have not received the third and largest check for a significant claim under my policy. I was told yesterday that it would take 2-3 weeks to send a new check. To my way of thinking, it should take 2 days and the new check should be delivered overnight.
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5

out of 5

POSTED: | BY: Alex

A must-have for any pet owner!

Embrace made the process very simple from the beginning - filing a claim is easy, their review time is speedy, and they very quickly issued payment. Great service particularly in times of pet emergency!
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5

out of 5

POSTED: | BY: Whitney Abernathy Barnes

Great experience

Great experience, easy to submit a claim!
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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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