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: Jeremiah

The time came when I needed the…

The time came when I needed the insurance the most, and Embrace did not disappoint. My dog had a surprise tumor/cancer and he underwent emergency surgery. I was reimbursed more than expected, and very happy with the outcome.
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5

out of 5

POSTED: | BY: Lorraine Farley

Very easy to submit claims

Very easy to submit claims. I have been using Embrace for years. Always satisfied with service.
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4

out of 5

POSTED: | BY: Lorrie Ann

Very easy to submit claims through…

Very easy to submit claims through their webpage.
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3

out of 5

POSTED: | BY: Lani

Invoice requirement is confusing

This insurance really is a great help for the most part. It takes the stress of dealing with having to take your pet in for an emergency or an urgent need. The coverage is what you need it to be because you can choose the plan that fits your pet. However, it gets hard to send claims in. The requirement of an itemized bills is basically what the provider gives and yet it is not enough to get reimbursement. I basically sent everything that was provided to me by the vet clinic and even the clinic does not know what else is needed. The good thing about this insurance is they DO respond very quickly and they reimburse quickly as well. It is not a question if this is a good insurance because it is. The process and requirement is quite confusing.
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5

out of 5

POSTED: | BY: Anthony Collazo

Great Insurance for Your Pet

Easy to submit claims, friendly staff and timely processing
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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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