Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,988

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: Timmy

When my dog had to go to the ER

When my dog had to go to the ER , it was naturally stressful for me.. but when they were released; all I had to do was upload an itemized receipt( which vets can give you very easily). Uploading the receipt via the app is Soo easy. Once it was uploaded there was nothing else to go. Embrace sent me regular emails telling me what step the claim was on. They did everything for me. While the actual vet er was stressful , filling a claim was not. I just withstood our people insurance was like this, totally recommend this completely
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5

out of 5

POSTED: | BY: Monique

Submitting a Claim

Embrace Pet Insurance makes submitting a claim fast and easy. Their policies are straightforward and I was reimbursed right away.
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5

out of 5

POSTED: | BY: Craig W

Embrace insurance is great the claims…

Embrace insurance is great the claims process is very easy and in a few days you have the money in your back account
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5

out of 5

POSTED: | BY: Coleen

We got a new puppy and put her on our…

We got a new puppy and put her on our Embrace pet policy, which we also have on our other dog. she had an incident with vomiting at the beginning of the policy, and they put an exclusion on her policy, which I disputed, and Embrace was very good at looking at the situation much closer and removing that exclusion. We have had our other dogs on policy for three years and have had absolutely no problem. They are very prompt with our submissions and when we call, we always get a very knowledgeable and professional person. I would highly recommend Embrace pet insurance.
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1

out of 5

POSTED: | BY: DGarcia

Waste of money

Waste of money. It doesn't cover anything, and they are more expensive than other carriers.
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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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