Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,988

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: Ernest Timmie

Embrace did very well in reimbursing us…

Embrace did very well in reimbursing us fairly quickly. We were notified of approval 10 days after we submitted the claim. We were paid 2 days after approval. My only complaint would be that upon submittal of our claim, there was no updates to its status until the approval 10 days later. Just having it sit there for 10 days without any actions was a bit worrisome.
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1

out of 5

POSTED: | BY: Shelia Gadwood

NOT happy at all

NOT happy at all. I sent all records to prove that the dental work was current and the still did not pay
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5

out of 5

POSTED: | BY: Carl Giannatto

The claim process was so simple and…

The claim process was so simple and efficient. I filled out an online form and uploaded some documents. Both of my claims were processed and approved in the same day. The money was in my account 3 business days later. I had a question about a small item that was excluded (prescription food while in hospital) and was given a satisfactory answer. I just filled out an online form and received the reply via email.
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1

out of 5

POSTED: | BY: Josie Ottman

Embrace has highly restrictive policies…

Embrace has highly restrictive policies that make it difficult to make claims. Beware! They are very quick to play the "it's out of our hands." card.
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5

out of 5

POSTED: | BY: Robin Finney

Got reimbursed quickly!!

Got reimbursed quickly!!
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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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