Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,744

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: William Heinick

First time using our insurance for our insurance.

First time using our insurance for our 4 month old puppy and it was very easy to fill out the form and the instructions were very easy to follow.
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5

out of 5

POSTED: | BY: Shirley Lange

First time submitting a claim

First time submitting a claim - very quick and easy!
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1

out of 5

POSTED: | BY: Bob

Won't pay claim

Submitted claim. Embrace wanted more details from the vet, also from the first vet that they required a wellness check when we adopted the dog from the shelter. Paperwork submitted but they wanted more. There is no more. Dog with us less than a year, from a shelter, got wellness review when purchased policy for which I pay for one year coverage up front. They keep saying they want more paperwork. There is none and so they just have not paid anything on the claim and I am reviewing to suggest others stay away from this compay.
5

out of 5

POSTED: | BY: Elcie

Stressless Insurance

The process was very easy and clear.
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5

out of 5

POSTED: | BY: Linda Hardwick

Clear, easy to use website and process

I just submitted my first claim, and this is the first time I've had pet insurance. Embrace made the process very easy, modern and simple. The site was designed in a way that made things very clear, and I submitted my claim in minute. Also, they allow you to link to your bank account for reimbursements - so no more wondering if your check will be lost in snail mail after waiting weeks and wondering if you misplaced it. Their turn around times (listed) for approving claims also makes it easy to keep track of - 1-2 days. So far I'm impressed by the thoughtful design of the site and ease of use of the 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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