Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,901

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: Colleen Cena

Frustrating attempting to upload

List of conditions did not allow enough choices for me to choose what the reason was for me bringing her to the vet. Apparently my claim will now take longer due to not seeing a viable alternative on their list.
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2

out of 5

POSTED: | BY: Shauna

Nothing has improved since my last…

Nothing has improved since my last review and several communications with the Claim's department. I pay hundreds of dollars a month to insure 5 dogs thru this company. The majority of my claim submissions are put on hold or declined because the employees in their department are too lazy to look thru a whole invoice to find each dog's services. Most places do not give separate invoices for each dog-it is a single print out!
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5

out of 5

POSTED: | BY: Marina Soriano

Great online experience

Great online experience, quickly reimbursement, awesome costumer service. thanks
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5

out of 5

POSTED: | BY: Estela Otiniano

Quick reimbursement

After my claim was processed, which was the same day I submitted it; I got my reimbursement very quick. I believe everything was processed that same day! Amazing! I am very pleased with Embrace. Thank you!
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5

out of 5

POSTED: | BY: Patti

The web site for claims is amazingly…

The web site for claims is amazingly easy to use and service is fast. Very happy with this company.
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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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