Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,744

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: Joan S.

The submissions of claims was easy…

The submissions of claims was easy through their app. They paid promptly and I never had a problem with a claim. They paid 50 percent of the bills.
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5

out of 5

POSTED: | BY: James Jacobs

The way the reimbursement was handled…

The way the reimbursement was handled expediently.
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1

out of 5

POSTED: | BY: Francisco Garcia

I’ve been waiting over 3 weeks for settlement..

I’ve been waiting over 3 weeks for my claim to be settled. They have everything they need, and yet it’s still not settled.
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5

out of 5

POSTED: | BY: M CC

Could not be happier

Could not be happier with the product and service
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1

out of 5

POSTED: | BY: Mic

Don’t think they actually reimburse

Don’t think they actually reimburse. Been on this insurance for more than a year, never made any claims. When my cat had an accidental and went to ER, I made a claim but kept getting need medical history notifications, sent several times and still didn’t hear back. I canceled the policy. Had better experience with a different insurance, will go back to that one if I ever decide to purchase again. Just don’t think it’s necessary anymore. All the premium I paid may not be that different from whatever medical expenses I may incur.
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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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