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.
5

out of 5

POSTED: | BY: Kimberley Brown

Love Our Coverage

I have had no problems with our coverage at all. The first claims do take a little longer but they do get handled. I have to say submitting a claim is super easy. All the staff I have worked with have been extremely helpful and friendly. We love our coverage.
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5

out of 5

POSTED: | BY: Ryan

What else can I say but 100% satisfiedd

Very easy to file. No questions. No pushback. Simple, FAST ... could not ask for better service!!
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5

out of 5

POSTED: | BY: KJW

Efficient, effective, and responsive

Claims were processed within 48 hours. Payment was deposited into my account within 72 hours. Communications kept me up to date on status.
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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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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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