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: Rachel Dellarocco

Embrace has been wonderful

Embrace has been wonderful. I needed to use my insurance shortly after obtaining my policy and I embrace was more than accommodating. Embrace covered the cost of everything that was included in my policy and I was reimbursed in a timely manner. I tell all my coworkers about this insurance company since they do not include any hidden fees or exclusions in their policies.
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5

out of 5

POSTED: | BY: Christian

Very nice to work with

They were easy to work with and very professional. I would recommend.them to everyone I know.
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5

out of 5

POSTED: | BY: Teresa Redwine

Easy to submit and navigate.

Easy to submit and navigate.
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1

out of 5

POSTED: | BY: Dave

Pretty good as long as you don't actually want reimbursement.

Absolutely incompetent. Sent my cat to the vet for an accident. The claim was almost immediately approved for reimbursement. Been almost a month and I am still waiting on the money. Not even a paper check. It was set up for direct deposit. When I call and ask they said they sent it already. Now I have to wait until someone looks at my case which I was told may take between 2-3 weeks... Completely worthless insurance company!
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5

out of 5

POSTED: | BY: Brenda Perry

I've been with Embrace for 5 years and…

I've been with Embrace for 5 years and I've had 100% satisfaction on every single time i've used it. Great company
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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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