Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

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: CB

The app is great

Fast easy claim filing using the app. Quick reimbursement if you opt for direct deposit (quite slow if you wait for a check). When my older dog passed they saw the claim and automatically removed his account from my monthly bill (i have another dog insured as well) so I didn’t have to worry about that. About as compassionate as an insurance company can get. Very fair rates and coverages without crazy rate increases. I will continue using them for my animals as long as they keep up the good work.
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5

out of 5

POSTED: | BY: Rey Contreras

Honestly this has been pretty Easy

Honestly this has been pretty Easy. I’m not the smartest man in the world Amn the prompts made it simple and dummy proof. I made a claim took me about 3/5 mins. I was shocked. Awaiting answers now.
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2

out of 5

POSTED: | BY: Justin Gleason

Thumbs down

They were great a first but lately it’s been seeming like anything they can do to reimburse me less they have been doing. Some initial promises that were made to me have not been kept regarding reimbursement for flee, tick, and heartworm medication also. I am going to be looking at different companies for pet insurance.
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2

out of 5

POSTED: | BY: NS

Smooth filing experience, misleading EOB

The process of filing was fine. However, on the EOB, it says $xxx amount was covered by insurance. It proceeds to explain that this amount actually went to the deductible. Therefore, this amount was not "covered" by insurance, it simply went to the deductible and still came out of pocket. Very misleading. In general this is an issue with the insurance industry as a whole.
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5

out of 5

POSTED: | BY: Carolyn

I found the claims submission process VERY easy and fast

I found the claims submission process VERY easy and fast. The site walked me through everything. This is as far as we have gotten so far, so I can't vouch for the rest of the process. Hopefully it goes as smoothly as the claims submission.
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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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