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: S. Mary

Claim re-submitted (submitted a second…

Claim re-submitted (submitted a second time) after eleven days waiting. Unable to reach Embrace by phone. After being kept on hold for an unreasonable amount of time I gave up. I have received no response to the emails I have sent to Embrace about this claim.
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5

out of 5

POSTED: | BY: Toni Fauntleroy

I’ve always had a positive experience

I’ve always had a positive experience ! They are prompt, fair, and very user friendly ! I highly recommend Embrace to future pet parents. The peace of mind that comes with the nominal cost cannot be overstated.
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5

out of 5

POSTED: | BY: NF

Honestly I almost cancelled…

Honestly I almost cancelled my insurance because my cats are older and seemed to be healthy BUT I am very thankful that I didn’t because one of my cats got sick and after almost 2 weeks and 3 different vets she is better and doing fine they still don’t know why but thank goodness for my coverage they paid within 2 weeks can’t say Thank you enough!!
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5

out of 5

POSTED: | BY: mary church

So far so good ....I have 2 young cats…

So far so good ....I have 2 young cats and one of them has bad gums unfortunately - dental work no matter your species seems to be expensive - Embrace has been there every step..... with good reimbursements.Thanks Embrace...Mary C
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5

out of 5

POSTED: | BY: Shelley B Thompson

Easy, speedy claims experience.

Easy reporting process. Fast reimbursement. Good communication.
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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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