Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,000

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.
1

out of 5

POSTED: | BY: Tomkat

This is the most worthless insurance I…

This is the most worthless insurance I have found. They make it very difficult to complete a claim. I have two Goldens each had an Episioplasty. ( diagnosis not on their drop down menu). However, one dog had surgery last year and it was paid after several attempts to get them to review vets documents which they had. This year other dog had same surgery and I know they have vets paperwork but have not agreed to pay claim.
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5

out of 5

POSTED: | BY: customer

Great Team

The team kept me updated on the process and helped me get everything I need to file a claim. It was very easy and the team was helpful.
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5

out of 5

POSTED: | BY: Brooke Guelker

Quick and easy

Embrace Pet Insurance offers a quick and easy claims submission and reimbursement process, managed online. I had my pets signed up for the Wellness Rewards (and then promptly forgotten what it covered). I called to check in on those and quickly discovered that I was sitting on receipts I could submit for reimbursement. All the claims were approved same day and I had reimbursements in my bank account the next day. I could not be more pleased with their service.
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5

out of 5

POSTED: | BY: Chloe Benjamin

Overall a great experience

Overall a great experience. I had my dog with them most of his 12 years. Sadly, he died this month and they were very kind, refunded me at a prorated amount without me asking, and sent a greeting card. Tips: get your pet in while young to avoid pre-existing conditions that won’t be covered, and look for discounts like I got with USAA. Over the years, I felt their customer service improved. Reimbursements used to be slow but lately have been pretty fast.
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5

out of 5

POSTED: | BY: Ann

Amazing Claims Experience

I am always amazed at how user-friendly the site is and how easy it is to submit a claim. Took about a minute to begin the claim, add the invoice, and submit it. Thank you!
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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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