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.
4

out of 5

POSTED: | BY: Dean Gardner

Did respond and explain claim

I submitted several invoices at one time and they were mostly processed quickly. One of them needed clarification because it was part of an existing illness however a 2nd deductible was taken out. I have explained the situation 2 times through the system and have yet to get any response. Update - I was finally contacted and the situation was explained that one claim was a pre-approval and one was the actual charges. Not clear up front - why not use the same claim number?
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5

out of 5

POSTED: | BY: Tammie Wasinger

Seamless Claims

Had to put in a claim for medicatiopn and it was also smooth and seamless. Thank you for all your hard work for us customers!
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5

out of 5

POSTED: | BY: Wally Stauffer

Outstanding service!

Outstanding service!
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5

out of 5

POSTED: | BY: Carmen

First time I had to use it…

First time I had to use the insurance and the process was very smooth and clear. Communication was great!
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2

out of 5

POSTED: | BY: Jonny Davila

Becoming less and less impressed with…

Becoming less and less impressed with Embrace. They make the pet parent jump through hoops and resubmit documentation that's already been submitted and then make it sound like it's the pet parent's fault.
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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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