Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,923

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: MO Oconnor

Not worth the money or the hassle.

Embrace sounds good until you pay and learn that nearly every vet visit is not covered. There were multiple occasions where I was told by Embrace that they needed medical records to review a submitted claim. They would request that I contact my clinic. I would contact my clinic only to learn that my clinic had already responded to the original ask for embrace. This felt like a racket and was definitely a waste of my time. In the end, I spent more money on Embrace covering two 9 year-old dogs, then just simply paying the bills myself. Not worth the money or the hassle.
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5

out of 5

POSTED: | BY: Patricia Foreman

Very nice customer service

Very nice customer service. First time I had to use it and it went fairly well since I didn’t know quite how it works.
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5

out of 5

POSTED: | BY: Joseph Glenn Osborne

Easy to submit claims and quick reply

Easy to submit claims and quick reply
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4

out of 5

POSTED: | BY: Ted Novaczyk

I can tell yeah that they move fast…

I can tell yeah that they moved documents quickly start to finish. Less then 24 hours and DONE! Just waiting on the check now.
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5

out of 5

POSTED: | BY: Deborah Rice

The claims process is quick and easy

The claims process is quick and easy. With two elderly cats who are developing health issues, I've submitted multiple claims this year. The claims have been resolved within 24 hours and reimbursement paid within 48 hours. Totally hassle-free.
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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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