Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Diana

I have been with Embrace for 5 years…

I have been with Embrace for 5 years and never used my insurance until recently. My little dog became very sick and had to be admitted to the vet hospital. I admit I didn't know how my insurance would work, especially as the bill was in the thousands of dollars. I can tell you today that Embrace just sent me all the money I spent minus my deductible and co-pay. My dog will need to have more care in his recovery and I don't have to stress about finances and I can focus on helping him recover.
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5

out of 5

POSTED: | BY: Susan Boyles

I’ve always been happy with the ease of…

I’ve always been happy with the ease of submitting claims and their customer service! So glad I got their insurance!
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3

out of 5

POSTED: | BY: Laurie M

It took 4 weeks from the time the vet…

It took 4 weeks from the time the vet records were submitted to being reimbursed. Unacceptable. Update - It still took 4 weeks from the date the vet submitted the medical records and not 10-15 days.
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1

out of 5

POSTED: | BY: J Turner

Very disappointed

Very disappointed. Took 23 days to process a simple well care visit with one medical issue (anal glands and antibiotic). Then 3 additional days for payment direct deposit. I know that veterans get same day claims services and payment. No complaint there but 4 weeks is ridiculous.
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3

out of 5

POSTED: | BY: Diane Santos

Calling customer service was a last…

Calling customer service was a last resort to get the answers I looked for. I was on hold for a while but I connected with an agent who was helpful. He put me on hold while he tracked down someone who had the answers I needed.
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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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