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: RobertandJessiee

Fair Price and Easy Claims

The claims process is incredibly easy, and the reimbursement is fast. Premiums are reasonable, and they don't seem to penalize you if you make claims by increasing your premiums if you do have to use the insurance. Had this insurance for 3 years, covering 4 pets and have had to use it 3 times for one of those pets... seamless and easy each time.
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3

out of 5

POSTED: | BY: Sue B

Simplify for Grooming Expenses

There is some difficulty in inputting on line for a grooming expense if you have that on your insurance plan. It would be easier to have a separate section, non medical, to hit that tab, date, download receipt, name the pet and go forward. I always have to find the other options when your system wants a diagosis,
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5

out of 5

POSTED: | BY: George

Claims are easy to submit

Claims are easy to submit, response is always prompt and customer service is professional and very pet-caring.
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5

out of 5

POSTED: | BY: Xavier Torres

The overall process of sending a claim…

The overall process of sending a claim has made my life very easy. The upgraded tools have been a life saver.
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5

out of 5

POSTED: | BY: Larry Garzon

Embrace has been super easy to work…

Embrace has been super easy to work with I have had their medical insurance for my now 3 1/2 year old Pomeranian since the dog was 8 weeks old I have also had their wellness insurance that covers veterinary visits for routine visits I have filed claims a few times and have always been informed of the claim status and once approved payments were quickly issued The customer service agents are very helpful and either answer my questions or direct me to someone who can EMBRACE is a quality organization that cares for the insured and maintains an open line of communication
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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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