Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: X

claims more than a month…

I submitted my claims more than a month ago. Every time I sent messages or emails I didn’t get any response. I submitted all required papers from my veterinarian. I just got the response it can take up to a month. Finally I got an email saying that my claims are on “review” and I should wait. The worst insurance ever.
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5

out of 5

POSTED: | BY: Pete Ginocchio

Great Coverage and Pricing

Great company, easy to use website, easy to submit claims. Occasionally slow in payment but, getting better. Monthly costs are very competitive and you have a wide variety of coverage and amounts to choose from. Don't wait, get this coverage as soon as you get your pet. You don't want to delay and find that if something happens while you were not insured, the condition will be treated as pre-existing throughout the entire policy. Insure Now! I highly recommend Embrace for your pet insurance needs!
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5

out of 5

POSTED: | BY: Bobbie Ross

Easy to submit claims.

Easy to submit claims.
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4

out of 5

POSTED: | BY: Sandy Perry

Prompt payment

I am pleased with the amount that's been paid on my bills and they're very prompt with payment.
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5

out of 5

POSTED: | BY: Iggy’s Parents

Happy Cat Parents

Embrace continues to be a huge blessing for our family. It takes a few minutes to submit the claim and in about two weeks we are reimbursed. Everyone with a pet should get 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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