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.
3

out of 5

POSTED: | BY: Eric

Claims take too long to process

Submitted claim on the 8th of May, and on the 20th received notification that claim had been processed and reimbursement would arrive within 10 business days. Today would be day 10 and still no sign of reimbursement. Haven’t had to wait this long in the past.
5

out of 5

POSTED: | BY: Nancy

You can't count on Embrace to get problems solved

Love Embrace people, so caring, gets to the bottom of everything to get your claim processed, as our vet claims our confusing to me and Embrace
5

out of 5

POSTED: | BY: Sherry

alternative and “regular” care covered - yay

Happy with coverage to date. Both alternative and regular care covered. Layla can get the best of both worlds.
5

out of 5

POSTED: | BY: Melanie

If you have a pet you need Embrace.

So glad we have this insurance. Claims are paid quickly. We swear by Embrace.
4

out of 5

POSTED: | BY: Pam

Wellness claim

I have always appreciated that when I fax a claim I usually get a "received email" right away but this time is it was over a week and I never heard so I faxed again and then you folks had to discharge the second claim.
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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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