Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Max’s Mom

Policy coverage is misleading…

The policy isn’t very clear with regard to coverage. The policy indicated most things were covered up to 90% but that is not the case. Apparently we need the Wellness Rewards program for better coverage but that wasn’t communicated anywhere. Our pets already have a wellness plan. Unfortunately we only got back about half of the expenses incurred during the emergency visit. We will likely not renew in February.
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5

out of 5

POSTED: | BY: MBF of Spearfish, SD

Filing process easy

The process for filing a claim is easy & straightforward. My reimbursement was processed in short order.
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5

out of 5

POSTED: | BY: Joseph Henry

Easy to navigate and submit.

Easy to navigate and submit.
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5

out of 5

POSTED: | BY: David Kampf

The site is very easy to navigate

The site is very easy to navigate. The information necessary is easy to obtain and provide. It only takes minutes to complete the claim.
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5

out of 5

POSTED: | BY: Lisa Selogy

We have been with Embrace over 15 for years

We have been with Embrace for years. We have been completely satisfied with all aspects of this company, from customer service to covered expenses and to the timeliness of reimbursement. I am however shocked with the increase in our premium, from $155 to $250, with no advance warning of such a steep increase. I called and the reasons given made no sense. A $100 a month increase is quite a shock.
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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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