Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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.
2

out of 5

POSTED: | BY: Dan Best

App's claim submission function needs to be fixed

I love the overall service, the insurance, but you MUST look into fixing your phone App. It does not allow you to attach a pdf doc on the claim submission process. You have to either attach a photo taken or something from your photo library. Attaching an ordinary file (which most invoices are going to be), is not an option. There are workarounds, and the website does this, but why not make this simple/easy update to your App????
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5

out of 5

POSTED: | BY: Nicole Garza

We have had embrace ins for our dogs…

We have had embrace ins for our dogs for a couple of years now--we are satisfied with their response time and follow through. I highly recommend embrace pet insurance!
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5

out of 5

POSTED: | BY: ggranoffgarygranofflaw.com

Good service!!!

Excellent web site, easy to file the claim forms and attachments, and quick turn around time to process the claim!!
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5

out of 5

POSTED: | BY: John Maisch

As with other claims

As with other claims, it is simple to scan the invoice from the Vet and upload to Embrace. Even with two dogs, the software/app is able to guide you through the process easily.
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5

out of 5

POSTED: | BY: Tilly Parkin

Wellness Plan feedback

Wellness Plan feedback. This option and process has been super easy and amazing. I'm terrible at saving money, unless I treat it like a bill. The Wellness plan has allowed me to have a bank for our 2 year old cat for her annual exams and preventative medications. The claims have been approved in 2-3 days and direct deposit is fast. Although this is basically a reimbursement back to me, it's been a game changer and creates less stress for me since I'm already not the best at planning ahead. This allows me to "save" for my cat's annual wellness visits like a bill for smaller monthly payments. I love this optional plan on top of our pet insurance.
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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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