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: Maria

Always looking for reasons to not pay…

Always looking for reasons to not pay claims putting it on your vets fault for not getting back to them. Very high annual rate hikes. Customer service no help once they know your pet has illnesses they know you won’t go elsewhere. We NEED to do better for our beloved pets!!
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5

out of 5

POSTED: | BY: JA S

So many plan options to choose from!

So many plan options to choose from. All of which were very affordable! I feel at ease after calling with a question and it was answered completely and in a manner which I understood.
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5

out of 5

POSTED: | BY: Floyd

It has been a while since I had…

It has been a while since I had submitted a claim but it seems like it is easier then I remember, and I like it.
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3

out of 5

POSTED: | BY: Etta Weekley

Diagnosis Drop Down box not working properly and no blank Claim form available to print out and use for faxing

Site Diagnosis Drop Down box was not working yesterday and there was not a blank Claim's form to print out so I could fill out and Fax claim to you. Please add Claim form to your site in case this occurs again. Very frustrating and time consuming as filling out the extra box below Diagnosis also did not allow me to move to next page either. Thank you. Will be attempting to add several more claims today hopefully for 2023 - 2024 period of my policy.
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5

out of 5

POSTED: | BY: Mary Anne Mason

Ease of claim submission process

Ease of claim submission process
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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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