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.
5

out of 5

POSTED: | BY: BRIAN Pier

Too soon to judge but so far so good.

Purchasing the policy, and interaction with a costumer service person were great. I have yet to make a claim, so I can't really judge how well everything else works.
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5

out of 5

POSTED: | BY: C. Arny

My claim was settled satisfactory and…

My claim was settled satisfactory and quickly. Staff showed sympathy for my loss that the staff made several changes to the way my claim was settled due to a change in banking institution.
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1

out of 5

POSTED: | BY: Owner of two furbabies

Very slow speed in processing claims

Very slow speed in processing claims All of my claims takes almost 2 months to process. Their team will always tell me that they are working on my claim, but I keep waiting. Also, they keep asking for the same document, and I submit them multiple times, and they still claim it's missing. It's very frustrating and very slow. After my kittens are older, I will really want to switch to a different insurance provider.
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5

out of 5

POSTED: | BY: CB

The app is great

Fast easy claim filing using the app. Quick reimbursement if you opt for direct deposit (quite slow if you wait for a check). When my older dog passed they saw the claim and automatically removed his account from my monthly bill (i have another dog insured as well) so I didn’t have to worry about that. About as compassionate as an insurance company can get. Very fair rates and coverages without crazy rate increases. I will continue using them for my animals as long as they keep up the good work.
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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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