Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Marcela

RECENT EXPERIENCE

RECENT EXPERIENCE - Embrace has been extremely helpful in reviewing my claim and refunding he qualified amount. No further information or document was requested by Embrace.
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5

out of 5

POSTED: | BY: Mark Cass

Claim process is easy quick and simple

Claim process is easy quick and simple. And the settlement is always very timely.
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2

out of 5

POSTED: | BY: Ralf Dunkel

10 days processing time per claim

10 days processing time per claim, difficulty understanding if Embrace requested updated diagnosis or we were asked to do it, once we received updated diagnosis, we could not attach it to the claim but only upload to the website, required another call to clarify, the initial message on the call said "wait time up to 60 minutes"
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5

out of 5

POSTED: | BY: Sandra

I am so glad I had insurance…

I am so glad I had insurance for my Mocha's knee surgery. I have had Embrace since 2018. They have always taken good care of us. Thank you for that. Your web site is very manageable. Easy to submit claims and ask questions.
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5

out of 5

POSTED: | BY: Elizabeth Rackovan

Would Recommend

So far have had no issues, claims subimssion is very easy and reimbursements have been pretty fast. Not really sure I understand the point of the wellness rewards program, since the price difference in plans is about the same amount that I would pay the vet for the care, but I have been happy with the injury/illness plan that we use.
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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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