Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Susan Powers

Super easy way to submit claims

Super easy way to submit claims. Always receive a really quick response to my claims. Very happy with Embrace Pet Insurance.
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5

out of 5

POSTED: | BY: Jerrilyn Forti

Conscientious Customer Service

im a senior citizen~then started coverage for a 6 yr old (healthy Bengal female) who i adopted 3 years ago from the breeder (she is 9 yrs old now) So the Embrace policy i chose (with the help of a vERy patient customer service representative) has worked '100% just perfectly' since that time for X2 preventative wellness visits and for (anti-flea/tic, etc medication) Then yesterday i made the decision to bring her for labs (blood) work (that they were able to draw) Bc about one month ago i noticed (have been observing) a change in her appetite & sleep patterns (nOt sleeping much) along with (a varying appetite) both increased & decreased @times. iHave confidence (with~that my) Embrace Policy (should) or wiLL cover this illness claim (as/per the active coverage in place) Will See! (then~happy to follow up here)
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4

out of 5

POSTED: | BY: Charlie's Mum.

Have to upload treatment separately to the invoice

Easy process but only the invoice is asked for. My invoices don't contain the diagnosis, so I have learned to upload the notes separately. It would be nice to complete the process all at once.
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2

out of 5

POSTED: | BY: Angel Maisonet

Input Key Entry Problems

It was very difficult to enter the name of the health provider... The box did not list any providers , gave you an HTML message and would not let you enter a name. It took many tries to finally do it since it would not let you proceed without it.
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5

out of 5

POSTED: | BY: Maureen Cronin

Great experience all around and…

The rep was very knowledgeable and worked with me on pricing. I got the feeling she was an animal lover too so she was personally vested in my experience. Great company. Better rates than anyone else.
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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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