Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Phillip Reilly

Definitely NOT a value added…

Definitely NOT a value added investment. I am lucky to have an extremely healthy cat and only goes to the vet for vaccinations, routine checkups and grooming. I paid every month for two years (and yes, they raise the premiums after the first year) and the one and only time I only filed one claim, it was denied even though the vet faxed over everything they requested. I received extremely poor customer service. I found a much less expensive policy recommended by AARP that has far better coverage. Go elsewhere for your insurance!
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5

out of 5

POSTED: | BY: Gail Kilmartin

This company is wonderful

This company is wonderful. Easy to process claims with quick reimbursement. Highly recommend to any pet lover.
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5

out of 5

POSTED: | BY: H Amano

Easy claim process

Easy, fast and to the point.
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5

out of 5

POSTED: | BY: James Jefferson Jr Ahmad

Filing a claim was quick and easy.

Filing a claim was quick and easy.
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5

out of 5

POSTED: | BY: Jeanna Bini

Easy process & some feedback

Easy process. It'd be good to have some directions re: submitting claims for the wellness rider and the normal insurance policy. Is it one submission for both, two submissions with an annotated invoice for each one, etc. A little note/reminder on the submission page would be sufficient I would think.
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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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