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: mimi

Easy, no-hassle claims

Easy, no-hassle claims. Just submitted the documentation for my pet in the portal and it was reviewed and adjusted without incident or nitpicks - a problem I faced with virtually every claim through my last provider, despite having coverage on my pets since they were <6 months old.
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5

out of 5

POSTED: | BY: Ruben Roman

Scanning and sending invoices

Scanning and sending invoices from the vet is simple and the review and reimbursement is quick.
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4

out of 5

POSTED: | BY: Ruby G

Pros and Some Cons to Consider

Pros:(Cats) - Online claims submission. - Accept cats of all ages. - Offer extra services. - Pay for routine dental cleaning. -Coverage starts fast. - Excellent customer service by7 phone. -Get a refund check via mail. Cons: -Frustrating online claims systems have always left me no choice but to email in my claim. - Must have a very thorough explanation of services accompanying the claim. - Do not pay for prescription pet foods. - Preexisting conditions reduce certain coverage. Advice: Submit multiple pet claims at least 4 days apart or else the pet's claims may get assigned the same claim number and one will appear as a duplicate claim.
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5

out of 5

POSTED: | BY: Connie Lehman

Embrace is excellent

Embrace is excellent. They are very good with communication and reasonably priced.
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5

out of 5

POSTED: | BY: Donna Grimmer

Every experience with Embrace has been…excellent!!

Every experience with Embrace has been excellent! The app is totally user friendly- Less than 1 min to send invoice. Payments come quickly. 2 yrs of svc.
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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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