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.
5

out of 5

POSTED: | BY: Nola

I have had a couple cats insured with…

I have had a couple cats insured with Embrace insurance. I have been very happy with the outcome of my experiences. My most recent cat did not have any pre-existing conditions but in June I noticed that she was losing weight and not eating very much. I took her to the vet and the vet ran many tests over the next month and we still couldn't find out exactly what was making her lose weight but suspected it may be pancreatitis. We finally had to let her go on July 1st. The bills were over $4,000 and Embrace paid a Little over $3,800. I will not ensure any of my pets except with Embrace insurance.
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4

out of 5

POSTED: | BY: Xiomara Fernandez

Took a while but good reimbursement

The reimbursement was higher than I thought it would be but the process took a very long time.
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5

out of 5

POSTED: | BY: Joe C

I had not filed a claim in quite a while

I had not filed a claim in quite a while, and their procedures had changed...for the better. I called and asked a BUNCH of questions. I was treated with courtesy and respect, and the CS representative not only answered all my questions, but provided answers to a few I hadn't thought of. I've been able to easily submit my claim online with no issues.
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1

out of 5

POSTED: | BY: Sheila

I have had 2 claims and it has been 60…

I have had 2 claims and it has been 60 days they are still not complete when they received the SOAP medical history still want place under precondition. I frustrated and thinking about look for another insurance. I max out my wellness plan but still there no pull down menu for illness to submit a claim. They didn't cover exam fees, prescription drugs, and lab test.
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5

out of 5

POSTED: | BY: Kathy

Very satisfied

The people answering questions and concerns are very good. They listen, check on potential solutions and are quick with answers. Embrace has been very good for us and our sweet furbaby.
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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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