Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,873

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: Patrick Quinday

Quick and Efficient

Submitted my claim the same day we visited the vet after an X-ray was needed for our dog. We received a response back from the Embrace team the next day that our claim was approved and reimbursement was on its way after providing the supporting documents!
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5

out of 5

POSTED: | BY: Frank Caiazzo

knowledgeable and helpful staff.

knowledgeable and helpful staff.
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2

out of 5

POSTED: | BY: Eve

Frustration with claims

For every claim I have ever submitted there is an issue with getting a diagnosis which delays the results of the claim. I always feel caught in between the doctor and the insurance company. Each claim is reviewed by a different person which impacts the results particularly if several claims are related to one issue/illness.
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2

out of 5

POSTED: | BY: Mark

Slow process, bad communication

It took over 3 months for our process to be reviewed. Slow and inefficient process with poor communication. The only reason this isn't a 1 is because we were eventually reimbursed
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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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