Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,968

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: Julie Flood-Hoying

This was my first time using Embrace

This was my first time using Embrace! I was impressed. The online form to submit a claim was simple and fast including uploading my invoices; Embrace contacted the veterinary hospitals for records directly which was great that I did not need to provide them; They sent me daily emails updating me on the status. Claims were accepted quickly with no questions asked and I receive a direct deposit into my account within a few days. The amount of the deposit matched what I had calculated!!! Seamless process. Thank you very much!
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4

out of 5

POSTED: | BY: AlxU

Format seems to have changed..

Format seems to have changed... and not for the better. The last couple of claims I've filed don't include a place to add the veterinarian's notes (which I have scrupulously collected per visit). What I know is that this will delay the processing and reimbursement dramatically, because Embrace will now have to contact the vets and get that information. WHY the change? Also -- much longer processing/reimbursement times than my previous insurance company. I left that one only because my vet isn't tech savvy, and she likes Embrace. The delayed reimbursement (weeks instead of days) adds to considerable financial strain, when we're talking about 1000s of dollars. Frustrating!!!!!!! Hire more staff to handle the increased volume, maybe!?
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5

out of 5

POSTED: | BY: Aimee

A God-send to us and our pup…

Embrace has been a God-send to us and our pup. It is super easy to file a claim and they are super speedy to repay you. Thank you so much!!
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5

out of 5

POSTED: | BY: Stephen C. Gubler

Super easy to use your website to…

Super easy to use your website to submit claims
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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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