Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,923

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: Laura Kellner

I have submitted my pet's records…

I have submitted my pet's records multiple times to Embrace and so has my vet. I keep getting messages that I have to resend them and that my claims are on hold until my vet and myself resubmit the invoices. I have met other people that have Embrace and they never had this issue. My vet clinic is surprised also, as they submit many claims to them as well.
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5

out of 5

POSTED: | BY: wendy chamberlain

Embrace was amazing!

Our dog has always been very healthy however, the past 6 months she had several unforeseen medical issues. We submitted several claims to Embrace following and ACL tear and mass cell growth. The claims were processed very quickly with incredible customer service. LOVE embrace!!!
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3

out of 5

POSTED: | BY: Ronald Reader

Cost vs Value??????

Overall I am satisfied with the Handling of the Wellness Claims But Having recently increased Premiums without increasing Benefits leaves me somewhat dissatisfied considering the cost of Pet Care has Increased considerably ? An Increase in Wellness Allocation would be greatly Appreciated!!Just Saying!!
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1

out of 5

POSTED: | BY: Catarina

I made a claim in June and after 1…

I made a claim in June and after 1 month I am still waiting.
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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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