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.
3

out of 5

POSTED: | BY: ktmac

Claims take a long time to be review…

Claims take a long time to be review and processed. I can understand the first one but claims for continued care should not take over a week to result .
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5

out of 5

POSTED: | BY: Erin W

This is my first experience with…

This is my first experience with Embrace and so far it has been a good one. Hopefully it will be just as positive if anything dire were to occur in the future with our new puppy. That’s when it will matter most and hoping it is never needed.
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5

out of 5

POSTED: | BY: Stacy Betz

Claim submission and payment were super…

Claim submission and payment were super easy! I did it all through the app and the reimbursements were so timely.
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5

out of 5

POSTED: | BY: CAROLINE VANN

Great Customer Service

The representative was punctual and knowledgeable. He solved my problem and answered all my questions.
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4

out of 5

POSTED: | BY: Michael Friedman

Overcoming

As with all things being new, time is never on your side. Once all of the hurdles were overcome the end result was worth the first time experience.
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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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