Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Olivia Pois

It took about a month to process my…

It took about a month to process my first claim, which seems like a long time. It also took an hour of being in hold to speak with anyone. Customer service was very helpful. I cannot open the document which breaks down explanation of what they covered, but it did cover most of my claim.
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5

out of 5

POSTED: | BY: Carmella Lucas

I just love the way Embrace handles a…

I just love the way Embrace handles a claim ASAP. I cannot be more happier … It is such a relief knowing that I have pet insurance to cover my dogs expenses!.. after researching with other pet insurances, Embrace, at the best prices, and covered more than other insurances did I am very pleased!
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2

out of 5

POSTED: | BY: Marcus Lewis

This was one of the worst experiences…

This was one of the worst experiences I’ve had with Embrace. My dog recently received an X-ray for $871.82 embrace refunded me $250 from my wellness and not the full $871.82 even though my policy covers X-rays. No one has yet to follow up to correct this.
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5

out of 5

POSTED: | BY: AgilityK

7+ year member

7+ year member. My terrier recently was exposed to lawn pesticides causing 5 days of vomiting & diarrhea. The vet quickly diagnosed; claim was uploaded & processed in 3-4 business days. Our plan is bundled with an additional wellness option. (Great Perk) The customer service & claims reimbursement are quick and easy, 100%satisfaction guaranteed!
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5

out of 5

POSTED: | BY: Amanda W

Our claim was processed very quickly…

Our claim was processed very quickly and was easy to do.
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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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