Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,771

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: MAB

Good program

Starting out with Embrace was a little challenging as I did not complete the initial physical check and thought we had so my first claim was denied. However, after that everything has gone smoothly. They pay for my dogs medication and exams for her ears and itching. It’s easy to file online and I get reimbursed quickly.
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5

out of 5

POSTED: | BY: Juan Linan

Amazing and easy to use

Amazing and easy to use, real simple, hassle free
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5

out of 5

POSTED: | BY: Kathy Hunter

It was very easy to file a claim on…

It was very easy to file a claim on your website. I am a new customer, and was glad it was a simple process.
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1

out of 5

POSTED: | BY: Stephanie Urlich

I had two claims that were approved for…

I had two claims that were approved for reimbursement by the company. I never received a check so I reached out via email (no response). I called a week later and never got a check. I called several times this week and waited on hold for 45 mins and never got through. I sent several follow up emails and still no response. I will be reporting to the better business bureau, as I am owed over 500$.
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4

out of 5

POSTED: | BY: Arthur Tate

Quick response

Quick response, as well as a quick payment were notable to me.
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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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