Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Meg

submitting claims seems to go smoother…

submitting claims seems to go smoother each time a claim is filed. Also any time I have called everyone is very pleasant.
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4

out of 5

POSTED: | BY: RMH

Easy navigation of claims process

Relatively simple to navigate the claims process and easy communication so far if any problems/questions arise with claims.
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1

out of 5

POSTED: | BY: Bob Andrews

Filed a claim and still haven’t heard…

Filed a claim and still haven’t heard from the company except to tell me that they’re waiting on the veterinarian’s office. Called vet and they don’t know about any contact.
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4

out of 5

POSTED: | BY: Kelly

They are fast for refunds

They are fast for refunds, just wish they would read what is put on the refund.
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1

out of 5

POSTED: | BY: Keith Moser

I filed 2 claims and they had a reason…

I filed 2 claims and they had a reason to not pay anything on either one plus my rates increased so rather than spend money on premiums and not getting anything in return, I have cancelled my policy and will save the money to pay for Vet bills which I had to pay anyhow.
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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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