Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,874

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.
3

out of 5

POSTED: | BY: AW

3 stars because I thought my vet would…

3 stars because I thought my vet would be able to bill Embrace Pet Insurance and I would pay the difference, like I do with my health insurance. Instead, I learned that I had to pay the full amount in advance then submit a claim. I also was not able to consult Embrace about whether the charges would be covered because it was a holiday. This was very unexpected, and scary because I am afraid Embrace won't cover his bill.
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1

out of 5

POSTED: | BY: Elena Meran

I paid almost two years and for three…

I paid almost two years and for three times I claimed devolution and then they asked me for so many things. I sent the bills the Dr sent the reports and nothing worked. They tell you that you can get you refund easily but please don't believe them.
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5

out of 5

POSTED: | BY: Anonymous

Easiest insurance claim process I have…

Easiest insurance claim process I have ever experienced
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4

out of 5

POSTED: | BY: Nathaniel. Calloway

legible portal and instructions

legible portal and instructions
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5

out of 5

POSTED: | BY: Nugette Yurtis

Ease of claim submission

Ease of claim submission
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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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