Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Stuart Miller

Our three year old Chesapeake Bay…

Our three year old Chesapeake Bay Retriever had a recent three day emergency hospital stay with several tests/procedures totaling over $7000. Submitting a claim based on invoice only took less than 10 minutes and Embrace handled the rest of process of contacting primary and emergency veterinarian. Our claim was processed and funds deposited directly into checking account in less than a week.
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2

out of 5

POSTED: | BY: Cindy Gray

Very tedious process to submit claims…

Very tedious process to submit claims vs healthy paws on my other dogs. Even after chosing my pet and then submit claims, you have to go through multiple screens on the hospital (chewy), then to chose my dog again, then to chose her diagnosis etc, then 2 screens to review etc. I had to do this tedious process 7 times for the last 7 months of her monthly meds for cushings disease. Payment of claims is also slow compared to Healthy paws where it's done and in my bank in 2 days.
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3

out of 5

POSTED: | BY: Karine

Claim review takes too long

They always take forever to look and review your claims. I like the service otherwise.
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5

out of 5

POSTED: | BY: Valued Customer

Easy to use process once you get the hang of it.

I appreciate the ease of submitting claims once you get used to the system. Also, overall, quick processing.
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5

out of 5

POSTED: | BY: Steven Laff

Excellent

Excellent. Stunningly easy to omit claims online. I am very happy.
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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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