Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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: Cindy Calhoun

So far not overly impressed

So far not overly impressed. I just enrolled my Toy Poodle and presented a question about the amount I was billed last Wednesday and six days later I am still waiting on a reply! I had been with my vet’s Paw plan and moved. Unfortunately the offices where I moved don’t offer it. They were outstanding!
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5

out of 5

POSTED: | BY: Dedra Townsend

Embrace Insurance

Embrace is amazing with handling Oliver’s insurance and claims. Have never had an issue with a claim being settled.
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5

out of 5

POSTED: | BY: customer

Great service

Great service! Fast turnaround for claims
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5

out of 5

POSTED: | BY: Joseph Rutherford

I filed multiple claims.…

I filed multiple claims and didn't expect any monies back. To my surprise l, they examined the claim and I was promptly issued money to my bank account.
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5

out of 5

POSTED: | BY: Julie

Quick turn around time

I submitted my claim the same day as the vet appointment and the reimbursement was in my bank account within 48 hours. Any claim I have submitted has always been met with very prompt action and great communication from Embrace.
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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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