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.
1

out of 5

POSTED: | BY: Peter Ahlstrand

They bill me every month but say they…

They bill me every month but say they don't have enough history to pay a claim and my claim for $200 has been sitting for 8 months. They won't refund me any of the money for the last 2 years of payments even though I am not covered.
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5

out of 5

POSTED: | BY: Randy Smith

My recent claim submission was handled…

My recent claim submission was handled quickly. Reimbursed very fast for covered expenses.
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5

out of 5

POSTED: | BY: ELAINE

Submitting the claim was very easy…

Submitting the claim was very easy understanding what was covered on the wellness rider was very easy. I will wait to see what the experiences in the claim processing the timeliness and the paying, and then I will repost another review.
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4

out of 5

POSTED: | BY: Donna Rocco

Just submitted a claim

Just submitted a claim, can't wait to see how it goes! The only issue I had was entering the Vet, and then when I refreshed it worked. I'll update soon!
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5

out of 5

POSTED: | BY: William McKenna

I have had Embrace for about 4 years…will always keep them.

I have had Embrace for about 4 years now, having three of our dogs covered by their insurance. Their claims submission process is very easy, and they process the claims promptly. Their customer service is great, and their coverage plans and choices are numerous to fit your needs. I highly recommend Embrace. They are also compassionate and understanding when dealing with you.
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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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