Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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.
3

out of 5

POSTED: | BY: Jose

First-time user putting in a claim

First-time user putting in a claim. It seems redundant to repeat the diagnosis when it is in the receipt.
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5

out of 5

POSTED: | BY: Bonnie

Great Company

The staff is always friendly, helpful, and clear. I call before a procedure to make sure I understand coverage. I love they even helped with cost of in home euthanasia. I have never had any negative experiences in the 10 years I have had them !
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5

out of 5

POSTED: | BY: kathy mcmanus

Great company

Great company. I have had to submit numerous claims for my dog for various issues and the claims were paid very quickly.
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1

out of 5

POSTED: | BY: Veronica Ocampo

No clarity

There's no clarity as to why some invoices are accepted and why others are not. It always says that I have maxed out of my benefits. I find this very confusing.
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5

out of 5

POSTED: | BY: Scott

Embrace has been very good about… claims reimbursement

Embrace has been very good about reimbursing claims in a timely manner. Usually, claims are processed within a few days after submitting them. Submitting claims are super simple using their on-line claim submission process.
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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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