Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,862

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: Robert Trenkle

If you dare to have to submit claims…

If you dare to have to submit claims your rate will skyrocket. Our premium increased by 40% this year.
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2

out of 5

POSTED: | BY: CT

There are too many steps

There are too many steps, it would be easier to take a pic of receipts on phone and send. It would also be nice if there was a way you could automatically get the info from the vet without having to do the middle steps
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1

out of 5

POSTED: | BY: David Wagner

A complete waste of money

A complete waste of money. They don't pay claims is the bottom line. I've had other pet health insurance in the past so I'm familiar with quality insurance.
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5

out of 5

POSTED: | BY: Katie Schweitzer

Easy claim submission

Easy claim submission, quick reimbursement. Great communication system via email.
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5

out of 5

POSTED: | BY: Shirl Funkhouser

I've been using Embrace for years.

I've been using Embrace for years. Claims are easy to file. Response time is quick. EOBs are easy to understand, and reimbursement checks are sent in a timely manner.
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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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