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.
1

out of 5

POSTED: | BY: Helene Wendolovske

Very unhappy

Very unhappy, put in a pre approved claim, had to send in multiple times, called up twice. Finally got the payment after a lot of aggravation. Also still have an outstanding invoice for an ear infection that I’ve sent in multiple times that hasn’t been paid. Decided to cancel coverage at renewal. Just a bad experience.
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5

out of 5

POSTED: | BY: Aida

Website is so easy to use!

The ease in submitting claims is awesome and the claims are processed pretty quickly. So far, I have been happy with the service. The cost is jumping up quite a bit this next year, but I believe the cost is still reasonable comparatively. I hope there will be some years I don't need to submit any claims & maybe my cost will go down.
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5

out of 5

POSTED: | BY: Trisha Yost

Easy to Submit Claims

Easy to Submit Claims
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5

out of 5

POSTED: | BY: Debby Ludwig

Easy Peasy Claims

This was so easy and uncomplicated to complete. I have been moving and had a few months worth of bills I had to find and submit. I was able to do it all at one time and not have to worry about it again.
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1

out of 5

POSTED: | BY: William Gearhart

Large

Large, uncompetitive, premium increases without an improvement in benefits. Reviewing alternative programx.
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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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