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.
5

out of 5

POSTED: | BY: Joan Francis

The process of submitting a claim is so…

The process of submitting a claim is so simple, and the reimbursements are pretty quick
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5

out of 5

POSTED: | BY: Gal Motil

First time we used our insurance.

First time we used our insurance. Great experience. Our Dog got sick all of the sudden. We had seen 4 different doctors . Hospitalized etc . The claim process was easy and professional ! Warmly recommended..
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5

out of 5

POSTED: | BY: Michele Taliaferro

Customer service is very efficient and…

Customer service is very efficient and helpful
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1

out of 5

POSTED: | BY: Rebekah

Not worth it

This company will act like they care about you and your pet and them do everything they can to deny you any reimbursement or coverage. Unless you start out with a kitten or puppy that’s 2 days old, you’re just throwing money out the window. The wellness “rewards” is just paying you back for something you do once or twice a year while you pay $60 a month for coverage that isn’t coverage. They expect you to do all the leg work only to tell you your requests for coverage of prescribed supplies, prescribed supplements, prescribed food, and prescribed medications are not covered. Absolute waste of time and money, it’s even worse than insurance for humans. You’re better off paying through CareCredit and hoping for the best. I’ve had them for over a year and I’ve had enough.
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5

out of 5

POSTED: | BY: Sandra Van Ouwerkerk

Embrace is awesome!

Embrace was great to work with. My fur baby tore her ACL and had major surgery. Once I sent the claims in and they retrieved the records , the claims were paid. I would recommend Embrace insurance to anybody who loves their babies.
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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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