Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,922

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: John Biazzo

Website is easy to navigate - Claims are being denied

Website is easy to navigate. Unfortunately, most of my claims are being denied because of so called pre-existing conditions. It would be nice to know what conditions, if any, will be covered going forward. Based upon my experience to date, I am paying a lot in premiums and getting almost nothing back on my claims. We need Obamacare for pets!
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4

out of 5

POSTED: | BY: Char Conrad

Filing claims is easy.

Filing claims is easy.
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5

out of 5

POSTED: | BY: Rodriguez Daniel

Easy to make a claim

Easy to make a claim
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5

out of 5

POSTED: | BY: Cathy

Great experience with Embrace…

Great experience with Embrace insurance. So easy to submit a claim and understand what is covered. Reimbursement is extremely quick. I highly recommend this insurance!
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3

out of 5

POSTED: | BY: Teresa Ingram

The time line

Don't know as I sent in claims. We'll see. Not crazy about having to get claims in with in a year even as you're still working on dog issue. I'm still paying so why not take care of claim. I've paid for it.
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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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