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.
1

out of 5

POSTED: | BY: Andrea

I have submitted my receipt several…

I have submitted my receipt several times. I have 2 dogs that were both seen the same day. Each dog has totals on the receipt followed by tax and total. Each time you send it back saying the receipt is not readable. This is total BS. The receipt is CLEAR, your just not wanting to honor your part!
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5

out of 5

POSTED: | BY: Linda Leach

You make it so easy to submit a claim…

You make it so easy to submit a claim and are very quick with a response. Thank you!!
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5

out of 5

POSTED: | BY: Rod A

Recent Claims

I submitted two claims in two weeks. While I didn't receive a full reimbursement on the first claim, Embrace really did a good job explaining the reason why. Also, I do like the app/webpage...very intuitive.
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5

out of 5

POSTED: | BY: Richard Thorogood

Super Fast process

While like all insurance not everything you want is covered and there is always the co-pay what I really liked was that all claims have been processed within 48 hours of submission and payment was followed just as quickly.
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5

out of 5

POSTED: | BY: Nikki Briscoe

Honorable mention

We’ve been with Embrace 4 years and are super happy with this company!! Pros: They pay everything except pre-existing related issues, no hassles! Quick remittance unless charges go under review-then it takes quite a while, but they still end up paying! Cons: Just wish the premiums weren’t so high, or that there’s a $650 max on wellness. (We could use more with prescription dog food needed every month…)
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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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