Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Stephanie G

This has been an easy process…

This has been an easy process submitting claims. The website is user friendly and the coverage met my pets needs at a low cost. I have not had any issues so far, thank you!
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5

out of 5

POSTED: | BY: Kymberly Taylor

Great Service

Great customer service. Easy to use tools to submit the claims. Deposit came quickly. All around great service!
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5

out of 5

POSTED: | BY: James Davis

TPLO Stress Relieved By Ease of Process

The online submission and directions were easy, clear and concise. The best part of the experience is that it was stress free. Thanks for making it easy.
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5

out of 5

POSTED: | BY: Fatima Farias

Easy to use!

Easy to use and very straight forward loved it.
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3

out of 5

POSTED: | BY: JB

Just normal insurance

It takes 15-20 days to process claims, normally. I had to wait even longer. My vet was sending the docs but they kept saying they didn't have them. At one point they couldn't review it because an invoice had two dates on it, on for a Rx pick up and one for a B12 shot but then after I called they decided it was okay and they could process. After all the back and forth they decided a high lab mark was enough for pre-existing and I basically spent hours on the phone and chat to not have any coverage anyway. I'm still waiting on my second dog because they can't read the medical history. It's a huge pain. I will keep the insurance for my second dog for emergencies. If I were to go back I would request reviews of the records before I do any claims so I wouldn't waste money on premiums. Overall, people are nice enough but at the end of the day it's just like other insurance companies out there.
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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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