Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Sarah Gill-Branion

Embrace makes it easy to submit claims…

Embrace makes it easy to submit claims and they always reimburse in a timely manner in accordance with the policy I have. Best pet insurance out there (I have tried others previously)!
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4

out of 5

POSTED: | BY: wr

I'll follow up here soon

We'll see what's covered now since I uploaded one year's worth of invoices from our vet office. Claim process should allow multiple invoices at once...very time-consuming otherwise.
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5

out of 5

POSTED: | BY: RICHARD J Ericksen Sr

The time efficiency and ease of…

The time efficiency and ease of submitting a claim!
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5

out of 5

POSTED: | BY: Stephan Lomonaco

In my experience

In my experience, i have nothing but great reviews for this company. The app is easy to use and there is always a quick turn around with the resolution .
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1

out of 5

POSTED: | BY: Mary latsha

Find loopholes from paying claims.

It appears that when you file a claim, they will work hard to find a reason to not pay your claim. Beware that if your pet took a medication prescribed previously, they will consider that a per existing condition and not cover. Lip licking , vomit, diarrhea are all considered pre existing condition. So beware before you shop with this company. You’re wasting your money and time. I’m canceling my policy, because they stated after 9 months of payment and received vet records at beginning of policy and never stated these so called pre existing conditions. Just beware that symptoms are considered pre existing conditions. This pet insurance company is not worth your hard earned money.
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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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