Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,971

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.
5

out of 5

POSTED: | BY: Bill

Always there when we need Embrace

Always there when we need Embrace. Phone attendants could not be more pleasant or helpful. IF they were, you could pour them over pancakes.
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3

out of 5

POSTED: | BY: Natasha Frye

Reimbursement Slow

While the 80% reimbursement is nice, getting the reimbursement is a struggle. Four years ago, embrace reimbursement was fast like my FSA(maybe two days max). having that money back eliminates financial stress. But now it’s more like almost three weeks and generic responses when you call them to see if they have reviewed the claim. At one point in time, they would email you to let you know the claim is in review. They don’t do that anymore and it’s quite frustrating.
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5

out of 5

POSTED: | BY: MV

I’ve used Embrace for many years

I’ve used Embrace for many years. They play a huge role in taking care of all of our pets. They have saved us so much money. I don’t have to worry about how I’m going to afford my vet bills, even if something serious comes up. Embrace employees are kind, helpful, and knowledgeable. I appreciate that they even send us a card when we’ve lost a pet. Thanks Embrace!!
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5

out of 5

POSTED: | BY: Kirby Dotson

I am very happy with my coverage and…

I am very happy with my coverage and service provided.
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1

out of 5

POSTED: | BY: Marissa Freed

Absolutely DO NOT use this insurance

Absolutely DO NOT use this insurance. They are dishonest and just want your money. It’s actually deplorable.
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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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