Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Susan Phillipp

More diagnosis choices needed

First of all, I love Embrace Pet Insurance, and I appreciate the ease of submitting a claim online without having to have a claim form filled out by the veterinary clinic and/or doctor. However, I am frustrated that the choices of diagnosis are very limited. If the actual diagnosis is not listed then the claim is submitted "no diagnosis given." I did receive a diagnosis but it was not listed! Typing in the actual diagnosis from the Vet is my only option, and yet the claim is still listed as "no diagnosis given."
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5

out of 5

POSTED: | BY: Linda Shunaman

Appeal Review

Our appeal was resolved quickly and professionally.
5

out of 5

POSTED: | BY: Ronald

Great System - Simple and Quick to Use

Your on-line submission system is great -- simple and straight-forward to use in quickly submitting invoice claims.
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5

out of 5

POSTED: | BY: Bianca Palala

great with answering my questions and…

great with answering my questions and processing claims for me. thank you embrace
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5

out of 5

POSTED: | BY: Roxann Votaw

Thank you for making it so easy to…

Thank you for making it so easy to submit form for reimbursement.
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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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