Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Chantel Shouse

It is easy to submit a claim

It is easy to submit a claim. Most claims are approved with very little pushback. Coverage terms are easy to understand. I have used them for all 3 pets for the last 10 years. Rates have gone up but that might be related to the age of my pet as well.
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4

out of 5

POSTED: | BY: Mary Enderle

Quick reimbursement

The turnaround for submitting our second claim was fantastic. However the drop down list of diagnosis needs to be expanded. I had to call customer service to determine how to categorize marijuana toxicity. The emergency room vet said the get one case a week.
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1

out of 5

POSTED: | BY: Martha

This is worse pet insurance you ever…

This is worse pet insurance you ever can get be aware the make a problem for everything plus you have to pay in front of your packet after that they don’t pay you back make a problem ! I will never get something like this i cancel the policy right away very bad company!
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5

out of 5

POSTED: | BY: Diane

Extremely easy to forward claim and…

Extremely easy to forward claim and documents. Love the drop down boxes to choose from. It is a very short process to do.
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5

out of 5

POSTED: | BY: Willie Bahr

Great service here

Great service here. This time, I used them to help with a claim for my beagle. Very easy process through a very intuitive site.
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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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