Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Julie Nozaki

Submitting claims is always easy

Submitting claims is always easy but it seems like more often lately they say the invoices are not legible. yet I send the same one again and it is. Almost like they are trying to make it difficult. Otherwise I am super happy with them
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5

out of 5

POSTED: | BY: Debbie

I will comment for a laugh

I will comment for a laugh. 2 of my dogs developed kennel cough. I filed the claim, and when I saw I was getting a $3.98 refund I was taken a back. I thought I would get the 80%……I forgot about the deductible 😂😂😂😂. Now that that’s out of the way….Never have I ever had a problem with Embrace
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5

out of 5

POSTED: | BY: Maryann Bickel

Easy, fast

Submitting the new form is so much better than prior. More customer service and the Ole way we had to get forms signed from vet etc. Where now we submit the invoice and I'd questions can be insurance vet doctor directly to the hospital vet doctor. Thank you and now able to submit on phone.. good job and thank you. Maryann
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3

out of 5

POSTED: | BY: Laurie V

So far so good

So far so good. Easy access to claim forms. I’ll increase the stars when I see how long it takes to process the claim. 😉
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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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