Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Marianne Santangelo

Very kind Compassionate and…

Very kind Compassionate and accommodating excellent service! I hope to put my other cats on multi Cat insurance with wellness plans soon. There claims process is easy fast and efficient website is excellent easy to navigate
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5

out of 5

POSTED: | BY: James Triplett

Easy to submit claims

Easy to submit claims. Very fast processing time.
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2

out of 5

POSTED: | BY: E Hicks

Claim documentation needs to be submitted multiple times

Claim documentation submitted at least 4 times by my vet. Embrace claims they have no documentation. My vet says this is a common experience they have with Embrace. VERY FRUSTRATIING. Problems: A - in the emails to the vet, there is no claim # or policy # to match with the pet, so when the documentation is submitted, it must get lost in the many emails they get. B - the email sent to the vet are from a no-reply email so if the vet hits "repy" button, obviously the email will send BUT it will go to an unmonitored email. Embrace needs to fix these issues.
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5

out of 5

POSTED: | BY: simcikmary

I have had pet insurance with Embrace…

I have had pet insurance with Embrace for 9 months now. They are very helpful and reimburse you with in days of your claim. Very sweet and knowledgeable.
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5

out of 5

POSTED: | BY: Dave Kaplan

They have been very helpful guiding me…

They have been very helpful guiding me through my first claim. Dave Kaplan
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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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