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.
4

out of 5

POSTED: | BY: Olga Shin

Depends

It is hit or miss depending on who looks at your claim My recent claim took longer than needed because two initial adjusters kicked it back for additional information and were not interested in hearing me out or help. Luckily I did get Ashley B who took her time looking into my situation and took ownership in getting it resolved.
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4

out of 5

POSTED: | BY: Nicole Nelson

Good company, slower and not as detailed as others

Easy to use web page and great contact via email for any issues for claims. Takes a while to get breakdown of coverage for each invoice to be able to know what was covered and why.
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5

out of 5

POSTED: | BY: Madeline Flores

I give Embrace Pet Insurance Two Thumbs Up!

I was skeptical about getting pet insurance. Embrace has turned that around. I am pleased to how easy it is to submit a claim and the timely manner of their response to my claim. I highly recommend Embrace Pet Insurance.
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5

out of 5

POSTED: | BY: Charles Service

They handled my Claim very…

They handled my Claim very professional, and did it in a timely manner. I am very pleased.
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2

out of 5

POSTED: | BY: Trinity Fuery

Took over a month to process my claim

Took over a month to process my claim. The system kept sending emails saying they were waiting for medical records when I’d already sent them the week of the claim. My refund was barely a third of what I paid.
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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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