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.
1

out of 5

POSTED: | BY: Jeremy Beck

NOT IMPRESSED

So far, I'm not impressed with the coverage and likely going to cancel. Very disappointed to learn they will not honor any claims only two months after you have the service - ridiculous for what I'm paying in premiums.
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2

out of 5

POSTED: | BY: Robert

A bad claim submitting form

First time use of the Embrace claim system. This is an absolutely bad claim submission system. On Safari, the boxes for which to add info are small, the letters are tiny, etc. Having to provide the diagnostics yourself, and not leaving to the vet is annoying, and just creates an opportunity for your claim to be rejected if your description and the vet's don't match. My experience with HealthyPaws was much more seamless. Just upload the invoice and you are done.
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4

out of 5

POSTED: | BY: AK

Timely reimbursements. Easy to submit…

Timely reimbursements. Easy to submit claims.
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5

out of 5

POSTED: | BY: customer

They were quick to solve my problem

They were quick to solve my problem. she was very professional and friendly.
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1

out of 5

POSTED: | BY: Julie Rice

Consistently receiving error messages…

Consistently receiving error messages that "something went wrong" even though if I log out and log in again, sometimes 3-4 times, it works. this has been happening every time I try to submit a claim for the past 2 months.
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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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