Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,854

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: Tammy Burns

This company has been so consistent in…

This company has been so consistent in getting the reimbursement back to you. They are very easy to work with.
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5

out of 5

POSTED: | BY: Sandra Marder

Every time we submit a claim embrace… we know that they have our back

Every time we submit a claim embrace pays the claim fast. I really appreciate embrace because you just never know when life is gonna give you lemons.
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5

out of 5

POSTED: | BY: Sharon Oliver

Filing a Claim Cannot be Easier

I can't believe how simple it is to fill out a claim with Embrace an they process the claims just as fast!!
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5

out of 5

POSTED: | BY: Sheri Minor

website is easy to use and navigate…

website is easy to use and navigate claims processed at the speed of light!
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3

out of 5

POSTED: | BY: Matthew Lebe

Mostly happy with Embrace from a service standpoint... Last claim submission was frustrating (regardless of approval.)

I've been largely happy with Embrace from a service level. In this particular instance I found myself extremely frustrated. This is regardless of whatever decisions they make regarding my claim. I tried to do everything through the app. The app tried to force me to upload a photo rather than the much easier pdf I received from my vet. By the time I printed the PDF so that I could take a photo, the app constantly and repeatedly crashed. I ultimately completed the claim submission via the website (using the actual PDF from my vet,) but found the submission process very frustrating.
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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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