Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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.
1

out of 5

POSTED: | BY: Nicholas McGraw

They are absolutely terrible

They are absolutely terrible, do not trust them with your pup insurance they deny, short pay, stall and delay any and all claims. The worst.
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5

out of 5

POSTED: | BY: Victor A Kersey

Claim Process

The process of filing a claim was seamless and it was handled with extreme professionalism.
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5

out of 5

POSTED: | BY: Tracy King

Easy to submit claims and good communication.

Though I am somewhat new to working with Embrace, I have been impressed with the ease of submitting claims and their follow-up. So far so good. Thank you. Tracy
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1

out of 5

POSTED: | BY: Greg Fenton

We sent in a claim and it is still in…

We sent in a claim and it is still in for review two months later.
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5

out of 5

POSTED: | BY: Karen Damaso

Embrace is always quick to respond to…

Embrace is always quick to respond to any questions or claims. I have my policy for almost a year now, and they have covered claims for my dogs in a timely manner, depositing money back into my bank account. If I have any questions or don’t understand something they provide provide further feedback. I would highly recommend them.
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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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