Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Melanie Nield

This was a wonderful experience

This was a wonderful experience. They kept me updated the entire way through the claim. Even if there was a delay, reached out and explained why. Absolutely a 5 star experience. So glad to have you!
5

out of 5

POSTED: | BY: Ashley Bales

Turning in our claim was extremely easy…

Turning in our claim was extremely easy process. During such a stressful time, it was a quick process with zero issues.
4

out of 5

POSTED: | BY: customer

Claims adjudication

I have had this policy for multiple pets for about 8 years.Their customer service representatives are very helpful and knowledgeable. It should be noted that unless submitted claims are clearly itemized the claims are denied. You need to get a representative who will advise exactly what is required from your vet for reimbursement under your policy. Although this can be a hassle their representatives are very helpful and extremely compassionate. My most recent experience was the same as prior submissions and the claims finally paid. Suggestion: If Embrace added what specific detailed information is required on their claim forms (which are very generic) it would be more efficient and then they would absolutelyreceive 5 stars from me.
5

out of 5

POSTED: | BY: Heidi Warren

Embrace was easy to work with on my first claims

I am in the midst of my first claims on my dog. We have carried insurance for 4 years on 2 dogs and not needed it before. Now my dog is ill and I am in the midst of worrying about her but I don't have to worry about my vet bills. Embrace has made filing each invoice and receiving reimbursement quick and easy. Thanks so much.
5

out of 5

POSTED: | BY: Donald Stewart

Submitting Single Claim for Multiple Pets

With multiple pets visiting the vet a one time, the new procedure allowing multiple claims on one submittal is very easy and a time saver. Using Embrace Pet Insurance is the best.

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 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.

Get a quote today

Leave a review