Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Elivia Savadier Sagov

Person who helped was understanding and…

Person who helped was understanding and kind. I can longer cover my increasing insurance costs and prefer just to put money in my bank account. She invited me to try just accident insurance. Which I will ( for now)
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5

out of 5

POSTED: | BY: Rick Hageman

Website Navigation

The website was easy to navigate for submitting claims.
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5

out of 5

POSTED: | BY: Breann Meadows

Claims submission was very easy

Claims submission was very easy. Claims were processed and paid very quickly. Extremely satisfied.
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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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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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