Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,853

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.
2

out of 5

POSTED: | BY: SIMON MALT

Premiums went up

Premiums went up 35% - when you try to claim you find very little reimbursement. No Loyalty to long standing members. A case of let’s make as many $$ and screw the insured. Very disappointing.
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5

out of 5

POSTED: | BY: C. Jones

The online claim submission process is…

The online claim submission process is very easy to use -- so helpful when your pet has an illness and you are worried about them.
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5

out of 5

POSTED: | BY: Jessica Deeds

Amazing Insurance

Submitting a claim with Embrace is so simple and straight forward. They make the process of having a sick pet that needs to utilize its insurance not daunting. I can't thank Embrace enough!
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4

out of 5

POSTED: | BY: Jon Linton

Good company/SLOW reimbursements

Embrace has been good overall, however, be prepared for VERY long waits for reimbursement. Our previous insurer had worse customer service but their reimbursements went out within a week. Embrace typically over a month. Definitely feels like they drag their feet here compared to other insurers.
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5

out of 5

POSTED: | BY: Adina

Easy to use website

Easy to use website, instructions are clear and concise and they answer the phone whenever you have a question.
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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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