Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: customer

This company is a fraud

This company is a fraud. They are happy to take your premiums but will do anything to keep from paying a claim. They are a complete scam. They were rude and went out of their way to be jerks. Do not do business with them! Horrible, horrible people.
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5

out of 5

POSTED: | BY: michael coringrato

Been using them for 4 years and never…

Been using them for 4 years and never any issues. Every once in a while a bump in the road but over great customer service
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5

out of 5

POSTED: | BY: Mark Mattea

Just great experience

Just great experience
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5

out of 5

POSTED: | BY: Marylou Hernandez

I’ve had Embrace pet insurance for a…

I’ve had Embrace pet insurance for a few years now and the reimbursement time was really good after all information was gathered. I had to downgrade to a lesser level due to my financial circumstances. The customer service agent was very helpful in helping me choose plus he explained the alternate process so my kitties wouldn’t have to go uninsured. I really appreciate that.
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1

out of 5

POSTED: | BY: brian

Very long claim processing time and not responsive.

I made a first vet visit for my cat after purchasing embrace for several months. My cat was vomitting and much less active. It costed a few hurndreds. I made my first claim. Then received reply saying the 1st claim will take 30 BUSINESS days (i.e. ~40days) to process, and future process time is 10-15days. I am disappointed as reviews were saying they have quick processing time.
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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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