Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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.
4

out of 5

POSTED: | BY: Ana Schecher

Submitted 2 claims online said claim…

Submitted 2 claims online said claim was submitted and no opened claims were showing. Emailed to be asked to submit via the app. Submitted both via the app 1st claim processed right away. 2nd claim doesn’t even show it is being reviewed just shows received.
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5

out of 5

POSTED: | BY: SUSAN MONCLA

Embrace has been wonderful for us

We have had Embrace for several years on our 10 year old Bichon and on our 5 year old Bichon. Have always been pleased with their service, their promptness of reimbursement and the assurance our fur babies are covered. Just a couple days ago, phone lines were very long. Hopefully that will be addressed.
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5

out of 5

POSTED: | BY: Colleen Dee

Cannot say enough so far since I just…

Cannot say enough so far since I just got the plan, but the customer service team has been fantastic.
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5

out of 5

POSTED: | BY: Jenny Smith

It is beyond easy to submit a claim…

It is beyond easy to submit a claim using the My Embrace website. And the claims are processed and paid quickly.
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5

out of 5

POSTED: | BY: Brian

Simple claim process.

Filing a claim was simple using the web site. It was reviewed, approved and paid in about a week.
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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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