Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,775

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: Justin Minor

Don't purchase an embrace policy

1 star because I don't think zero stars was available. Since my dog had a procedure I've been submitting invoices, write ups and everything else requested. And then they ask for more. I'd be happier if they would just say they aren't going to pay the claim rather than string me along.
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5

out of 5

POSTED: | BY: John Roman

TOO EASY!

I can't explain how easy this process is. Literally drag and drop from one email to another...and it's DONE!
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1

out of 5

POSTED: | BY: G Jeffrey Elian

Drop down menu for providers is almost…

Drop down menu for providers is almost impossible to navigagte
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5

out of 5

POSTED: | BY: Navadra

Easy to use/ frustrated with past claims I missed

Easy to use, just frustrating to have to do it in three months when I pay for insurance and have missed three app. Getting paid cause of death, family, and extra people in house. Otherwise it’s easy to use and timely in responding.
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5

out of 5

POSTED: | BY: Gary Freedman

Our claims are processed the same day…

Our claims are processed the same day we submit them, and the reimbursement is deposited in our account within 2 days.
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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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