Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: George Barker

Embrace has been easy to deal with

Embrace has always responded quickly and and clearly answered any questions I have. They have promptly paid and he covered reimbursements. Everyone I have dealt with there has been friendly and helpful.
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5

out of 5

POSTED: | BY: Priscilla Long

Embrace pet ins representatives were…

Embrace pet ins representatives were very prompt and helpful, friendly and caring. This was our first time getting pet insurance and they made it easy no stress! The claim process was quick and easy and I got my reimbursement within a few days.Im so glad we chose Embrace!
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4

out of 5

POSTED: | BY: Cecilia Cardwell

Submitting claims online is super easy…

Submitting claims online is super easy w/Embrace. For the most part, their reimbursement amounts are pretty decent, & their customer service on the phone is very good. However, I just hope that they don’t jack up their monthly rates again in the spring like they did this last spring when my policy renewed. Fortunately, I was able to raise my deductible and bring the premium back down to a reasonable level….
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1

out of 5

POSTED: | BY: Jade

Many claims are not covered due to…

Many claims are not covered due to reasons that are not applicable. Deductible is high.
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2

out of 5

POSTED: | BY: Lily Holloway

i have filed 3 claims over a month ago…

i have filed 3 claims over a month ago and none have been processed.
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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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