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: Joycelyn

Happy to have the coverage!

Happy I have the coverage for our fur baby as it has recouped way more than expected regarding the actual cost. Additionally, I batch submitted my claims anticipating a long, tedious process and was pleasantly surprised when each claim only took minutes using the app… for ALL of them! The reimbursements are already in the bank and were fair. Start to finish it only took days! Thanks Embrace!
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5

out of 5

POSTED: | BY: Adriana

Easy to work with app and claim…

Easy to work with app and claim process. Great communication and quick turnaround on claims!
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1

out of 5

POSTED: | BY: Amanda LaGrange

Claim denied without even requesting the vet records

Unfortunately our insurance claim was denied prior to them even requesting the medical records for the claim. Now that we have started the appeal process, they finally requested the vet hospital stay notes from the veterinary office. How do you deny a claim without even researching it?
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5

out of 5

POSTED: | BY: Nicole Guido

Quick and easy help.

Quick and easy help.
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5

out of 5

POSTED: | BY: Crystal Puertas

The app is extremely helpful

The app is extremely helpful. Grateful for how Embrace kept me up to date on the process. Pretty quick turnaround once they start reviewing the claim.
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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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