Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Carolyn

Great to work with…

My cat experienced a serious liver ailment. She had to be hospitalized for several days. I submitted the claim to Embrace and they settled it quickly. They kept me informed as to the progress all along the way. They copied me on emails they sent my vet, which I really appreciated. When I called them, they were friendly and helpful. I am impressed at how fast and efficiently they worked on my claim. I'm also very happy they covered my claim. I have recommended them to others and will certainly renew with the
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5

out of 5

POSTED: | BY: RICHARD DAVIS

Simple and Effective Process

The process of uploading my documents, combined with turn-around time, is the simplest and least stressful insurance claims process for us. We love Embrace because when your pet has health issues, they allow us to focus on taking care of our 4-legged kids rather than worrying over administrative tasks. Thanks Embrace!
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4

out of 5

POSTED: | BY: Maria Colici

It way too long 😪

It took way too long 😪
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5

out of 5

POSTED: | BY: EAWarlick

Very pleased

Very pleased. Quick responses and reimbursement (they say 2-4wks but both claims were funded in under 5 days). Coverage exactly as described. Highly recommend.
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1

out of 5

POSTED: | BY: Jackie Hayes

LIARS AND FRAUDS

My policy was cancelled due to non payment they said. They NEVER tried to take the money out! I called and checked that they had the correct numbers and they took the $1.00 TEST WITHDRAWL AND THEN NEVER DID ANOTHER! Go somewhere else!!!! Do NOT TRUST EMBRACE!!!!!
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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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