Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: SR

not impossible to work with, just difficult

If you are compliant with every letter of your insurance agreement and send an extremely boilerplate claim for an extremely typical problem, expect to receive a payout after following up about half a dozen times and slightly over a month of waiting. Their website is useless and their phone support uses an absolutely miserable auto-attendant/AI thing.
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5

out of 5

POSTED: | BY: Travis Bartosek

Great service

My cat had surgery and it was extremely easy to set up a claim for what I had paid. I sent over all my cats medical history and the bill that I had paid. The website did explicitly state that there would be a delay and would take longer than the original (we will get back to you in (x) number of days). I'm fine with that, things happen and as long as I'm told it's going to take longer, that's okay. After submitting my paperwork, I waited and then got an email explaining what I will be getting back. That was two days ago and the money is back in my account as of today. I'm happy.
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1

out of 5

POSTED: | BY: RF

Not helpful too expensive and very…

Not helpful too expensive and very quick to not pay for care
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5

out of 5

POSTED: | BY: David

They have always been eager to assist…

They have always been eager to assist and have not played any games. It is a pleasure to deal with them
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5

out of 5

POSTED: | BY: Helen Walsh

I just mailed in an estimate for my…

I just mailed in an estimate for my baby's teeth problem. I always get a quick response.
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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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