Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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: RICHARD DEAN

Ease and Speed of Claim Process

The speed and ease of submitting a claim through your web site. Couldn't be better!
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4

out of 5

POSTED: | BY: Lauren B

Incredibly slow at claim reimbursements…

Incredibly slow at claim reimbursements however, the process is very easy with no hassle. Covered the accident for my dog with ease.
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5

out of 5

POSTED: | BY: Blake Balick-Schreiber

Probably the easiest fastest claims…

Probably the easiest fastest claims experience of my life.
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2

out of 5

POSTED: | BY: Joanne Wilkinson

It's pretty frustrating to work with…

It's pretty frustrating to work with Embrace. As soon as you suit the invoice, they send you a message saying they need the invoice. This time, between the vet hospital and me, we submitted the same invoice 5 times. Each time Embrace would send two messages simultaneously: that they had the invoice and that they needed the invoice. I emailed twice asking for guidance and just got a canned reply from a bot saying that they needed the invoice. The experience would be better if an actual person looked at the claim and communicated clearly about what was needed, rather than having multiple automated messages being sent simultaneously.
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3

out of 5

POSTED: | BY: Adam Vargas

Typical insurance company

Easy to sign up but during claims, adjusters are terrible at reviewing documentation but are good about trying to come up with excuses not to pay.
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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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