Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,744

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: Jim Hohl

Easy claims process & great service

Our cat developed cancer and Embrace covered us fully every step of the way, with no pushback, no claims denied and no hassle. Claims have all been processed quickly and in full, sometimes the same day or next day. We have been very happy with Embrace.
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1

out of 5

POSTED: | BY: Julie Reiz

Absolutely THE worst

Absolutely THE worst. We have been loyal customers for over 9 years. I have paid over $6000 in premiums. Never missed a payment. Always on time. Even after our monthly payments have tripled, I stayed. I have gotten ONE claim back for $46. That is it. When I signed up in 2015, they had a program where your deductible decreased if you didn't have any claims. Mine was down to $100. They have now decided to just get rid of that. NO notice. No email. No letter. No common courtesy. Nothing. There was no compensation. No trade off benefit. Just a "oh well" from them. We stayed and paid the increased premiums because of this benefit and they stripped us of it for no reason and no notice. Absolutely horrible company.
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5

out of 5

POSTED: | BY: Andrew Bard

Easy in filing a claim.

Easy in filing a claim.
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5

out of 5

POSTED: | BY: Mary Rodino

Fast and fair claims settlement

I am grateful to Embrace for their thoughtful review of my recent claim. This was my first claim after having the policy for 2 1/2 years. I wasn't sure what to expect. I found the claims process to be fast and fair. I also had the procedure pre-certified with them and found that process to be accurate. This was such a relief during a difficult time. Good news is that our kitty Charlie has fully recovered from losing five teeth (and four last year).
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5

out of 5

POSTED: | BY: Projectorist

Very easy to report

Very easy to report, send receipts. Almost Instant response, rapid reimbursement!
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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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