Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Carole

Reimbursement takes way too long.

The 1st time we took our dog to the vet after getting onto Embrace, our reimbursement was deposited into our bank within 2 or 3 DAYS! This 2nd visit, 3 months later, was much higher than expected. We need that reimbursement , but we’re told online that it could be 1 MONTH. We need it deposited ASAP - not a month later. If this is what to expect, then maybe we’ve made a bad choice.
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5

out of 5

POSTED: | BY: Kathy S

Never an Issue with EMBRACE

I have NEVER had a problem nor issue when submitting claims; requesting info; etc. The staff is amazing-- very concerned; always willing to help on any issue. Using EMBRACE completely negates my stress with my dog's health care costs - enabling me to be a better dog parent. I have been with EMBRACE for awhile and have NO plans of leaving! Thanks EMBRACE!
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5

out of 5

POSTED: | BY: Karin Davis

I called regarding my policy and was on…

I called regarding my policy and was on hold about 3 or 4 minutes until finally someone answered! I talked to 2 different customer service associates and both were professional, kind, patient with all my questions! I got all my issues resolved!
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5

out of 5

POSTED: | BY: Jennifer Griem

Easy to use online claims

Easy to use online claims, fast review and processing of claim.
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5

out of 5

POSTED: | BY: customer

Very easy to submit claims and receive…

Very easy to submit claims and receive payment to my checking account.
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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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