Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,757

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: Tap Jp

Disappointed

Disappointed. Been with embrace for over 7 years. Last 3 years has been horrible. I’m getting fed up. Their prices keep going up and when it’s time to pay they delay and keep asking for more paperwork and when they receive it, they don’t check. Anyone looking, don’t be fooled by the 4.9 rating.
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1

out of 5

POSTED: | BY: Dom Giordano

This whole pet insurance is a scam like…

This whole pet insurance is a scam like the govt. they pay when they want to pay or they use the money for the execs to have luxury cars and vacations…… You are better off paying out of pocket to a vet or working out a payment plan with the vet…. This place sucks….
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3

out of 5

POSTED: | BY: R.

Alright, Not Great

Good: Claims are easy to submit. Reimbursement usually takes less then a week. Bad: No Dental Coverage for annual cleanings, they have a type of savings plan. If I wanted to use a savings account, I wouldn't get insurance... Creates inane pre-existing exclusions, for things, i.e., Dietary Indicression. Dog ate some flowers & became sick, so the new policy will not cover if she gets sick from eating something. Seriously, they are animals they will eat things, this is why we get insurance...
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5

out of 5

POSTED: | BY: Michael Haught

I have been an Embrace customer for the…

I have been an Embrace customer for the past two years and just made my first claim two days ago. The claim process was easy to understand, it required only a couple of steps, and I was able to do it through the app. The day after I submitted my claim, it was approved and the day after that, the money was in my checking account. Embrace did not question or hassle me about any part of my claim, and everything included in my itemized receipt was covered.
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5

out of 5

POSTED: | BY: Janice Clark

I found a reimbursement check long…

I found a reimbursement check long expired. I called and explained, she quickly said no problem. We will get it reissued. And, about 3 weeks later, I received it. This one went straight to the bank! Thank you!
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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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