Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,985

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: Steve Baum

It was very easy to make a claim

It was very easy to make a claim. Less that 5 minutes. Make sure your vet emails you their bill, then drag and drop and check a few boxes. Easy.
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5

out of 5

POSTED: | BY: Eleen Kirman

I am constantly impressed with Embrace…

I am constantly impressed with Embrace pet insurance. Once I submit a claim online, I usually receive a decision within 24 hours and if there is reimbursement, it lands in my bank account within 48 hours. They are prompt and extremely efficient. When I have needed to speak to someone about a claim, I get a rapid response to my questions.
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5

out of 5

POSTED: | BY: KarmaPawz

Easy and straightforward process to…

Easy and straightforward process to file a claim
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5

out of 5

POSTED: | BY: Lisa Duffield

Making a claim made simple!

The Insurance is straight forward and making a claim is easy. Just upload the invoice and send it in. The layout of the website is so easy and simple to navigate, I have just just taken on the insurance for my little Dachshund and so far really good. Fingers crossed !!
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3

out of 5

POSTED: | BY: Dan Z

Embrace did pay my claim

Embrace did pay my claim. I would have appreciated a smoother journey to it… way faster processing, no duplication of effort on my providers parts, no interminable waits on hold to get info, accurate and current info on their website. ONCE ALL THAT WAS IVER THEY PAID 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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