Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Deb S.

Very professional

Very professional. Easy to use their platform with your pets visibly listed. Straight forward and honest. Appreciate the quick claim and follow-ups. Highly recommend
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2

out of 5

POSTED: | BY: Christopher Siebert

Not great

Not great, a lot of back and forth about required med documents. Not clear what was needed for a claim. Denied coverage on probiotics, prescribed by the vet, used to minimize side effects of drugs.
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5

out of 5

POSTED: | BY: Mary Rizza

Prompt response

Prompt response, above board communication and reimbursements timely.
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5

out of 5

POSTED: | BY: Grandy Andrisek

easy to turn in a claim, contact during claim review is easy also online

explanations of claim result is easy to understand, payment is quick
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5

out of 5

POSTED: | BY: MMarks

claim submission process…

claim submission process straightforward and refunds via direct deposit are timely. I like the options for choosing levels of coverage and reimbursement.
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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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