Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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.
4

out of 5

POSTED: | BY: Stephen Donovan

Wellness claim submitted - so far well done

First part of submitting an electronic claim. Easy if all goes well. If verbal help needed, Customer Support good, but may be long hold time. not easy to email request for help submitting it, nor via chat. But happy with the company and will renew my policy.
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4

out of 5

POSTED: | BY: Sandra Hill

Embrace always does well with their…

Embrace always does well with their reimbursements and timeline in doing so. However, on the Embrace app, you cannot upload an invoice and/or document unless you saved it as a photo. Clicking upload only gives option to out of photo gallery. However, when filing a claim using your browser, you can choose from saved documents. I would much rather use the app but at the same upload a “document” via the app!!!
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5

out of 5

POSTED: | BY: Bob Wyrick

Very Easy to Submit a Claim

I've submitted claims through the website and the app and both are very intuitive and easy to use.
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5

out of 5

POSTED: | BY: Alexa G. PA-C

Excellent customer service

Excellent customer service, highly recommend!
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5

out of 5

POSTED: | BY: Ronald & Elizabeth Alexander

Simplicity

Simplicity! It just follows logically.
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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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