Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,906

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.
3

out of 5

POSTED: | BY: Sarah Caudill

Mixed reviews

I have submitted 3 claims and 1 precert. The precert and one of the claims were reviewed and reimbursed within a couple days. The turn around time on the completed precert is still in review 9 days past submission. This claim should have been the easiest to review as the precert was completed beforehand. Nine days is a lot of time for a procedure that was out of pocket over $2,000.
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5

out of 5

POSTED: | BY: K Farrill

I just turned in my claim

I just turned in my claim, but this is the second claim (different dog), and Embrace handled it fairly. I just turned this claim in, and am pleased with how easily it is to maneuver around the web site.
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1

out of 5

POSTED: | BY: Jeffery Hall

Payments increase at extreme rate every year

I couldn't tell you what the payout process is like because I never had to make a claim. YET, my policy started out at $63 a month, the next year was $86, the next year went to $98 and this year they wanted $132 a month. I can't imagine what the monthly charge would be 5-6 years from now when I would likely need to use the policy. I cancelled and just started putting $150 aside for vet bills. If I would have put away $100 a month from the beginning I would have $3600 already and $10k by the time I likely need it.
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5

out of 5

POSTED: | BY: Eugene Crepeau

Well worth the expense!!!

Embrace has been incredible. Claims are easy to submit, and paid very quickly.
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5

out of 5

POSTED: | BY: Carl Nowell (Central Florida)

This is our first submission of Vet…

This is our first submission of Vet bills for Mahala due to severe allergies. With a medication (twice) and a change in Mahala's dog food the allergies have gone away. The Purina RX Hydrologist dry food Mahala is back to being her energetic fast runner. Your web Site was simple and easy to use for entering the Vet Bills. The RX dog food bills will follow shortly. Thank you for making this so simple for us. Carl Nowell
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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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