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.
2

out of 5

POSTED: | BY: Susan Teiser

Delays in processing

Delays in processing, repeated phone calls and consistent 'loss' of invoices from our veterinarians. Really? We submit on time and thoroughly but then have to keep calling to request claim processing. We are not comfortable referring new clients to Embrace anymore. Our rates skyrocket each year despite healthy dogs.
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5

out of 5

POSTED: | BY: K Contest

Easu to Submit Claim

Submitting a claim was easy.
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5

out of 5

POSTED: | BY: Beverly Britt

Awesome experience easy to submit claim…

Awesome experience easy to submit claim forms. User friendly website.
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5

out of 5

POSTED: | BY: Ron W

I have only had to file a couple of…

I have only had to file a couple of claims but the process is very easy. So far they have been very prompt and very easy to work with. Very happy.
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5

out of 5

POSTED: | BY: Virginia Kane

Easy claim procedure

Easy claim procedure
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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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