Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,691

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.
4

out of 5

POSTED: | BY: Johnella Benton Joni

Because I live on a fix income

Because I live on a fix income, it would be great to speed up on approved reimbursements. Otherwise, I'm glad to have my fur baby insured in case of emergency.
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5

out of 5

POSTED: | BY: Jharinia Peralta

I love how easy it is to submit a claim…

I love how easy it is to submit a claim or when clarification is needed how easy it is to contact someone for help.
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1

out of 5

POSTED: | BY: KNYC

Would rate lower if I could

Again, the WORST pet insurance possible. Does nothing but delay or deny claims. If it were possible to give a lower rating, I would. FIND ANY OTHER PET INSURANCE.
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5

out of 5

POSTED: | BY: Alfred Hebert

prompt and efficient

I filed a claim at 12:59 p.m. and received notice that the claim was paid at 1:21 p.m. This is a remarkable time line.
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1

out of 5

POSTED: | BY: David Federle

I WOULD NOT REFER MY WORST ENEMY TO THIS UNETHICAL ORGANIZATION

EMBRACE IS NOT WORTHY OF A REVIEW, LET ALONE A POSITIVE REVIEW. FOUR DAYS AFTER PAYING AN EXPENSIVE PREMIUM TO OPEN A NEW POLICY WITH EMBRACE, THEY REFUSED A CLAIM FOR AN UNEXPECTED, TRAUMATIC EMERGENCY. I WOULD NOT REFER MY WORST ENEMY TO THIS UNETHICAL ORGANIZATION....THEIVES
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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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