Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,397

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: Jenna

So far so good!

I have only had Embrace for a couple of months, but everything has gone very smoothly so far. They are always in touch and make filing a claim very simple. I look forward to many years with my puppy and Embrace.
5

out of 5

POSTED: | BY: Stan Shimizu

Easy breezy.....

I just love using Embrace and the claims and reimbursement process is so simple. Fax it in and then you get excellent service with constant updates on the status of things. Excellent service all around! They are the Nordstrom of pet insurance providers!
3

out of 5

POSTED: | BY: Jo Ann

Very slow

Repayment is very slow. Also we never receive an itemization of our claim - we always have to ask.
4

out of 5

POSTED: | BY: Larry

Great communications slow on getting settlement

The pay back is ggod, the communication is good. However, when I started my policy I was told 10 to 15 days for payment. Then it went to 20 to 25 days. After that I was told those days do not include weekends. All of this should have been made clear at the beginning. Embrace needs to set up payment to the Vet. Many people need the insurance because they don't have the money in pocket. So actually we are paying for the entire visit up front. Human's insurance doesn't work that way and neither should pet insurance.
5

out of 5

POSTED: | BY: Nikki Barrs

Fast and efficent

I have already recommened two of my family members to embrace. I have only been with embrace since August but already had a claim when my boy decided to eat some pain pills. Once i put my claim in embrace stayed in touch through email me letting me know through each step of the claim process what was going on even checking once they had sent the claim money check to make sure i had it. They have done a wonderful job and i would recommend them to all pet lovers. Thank you Embrace!
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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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