Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,140

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: julie

My 7 year old shitzu was diagnosed with Blastomycosis

My 7 year old shitzu was diagnosed with Blastomycosis and sadly lost his sight on both of his eyes. I am so grateful to have Embrace pet insurance through these difficult times. It is a very expensive and lengthy process to get him back to feeling okay. I honestly don’t know what I would’ve done if I didn’t have a policy with Embrace.
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5

out of 5

POSTED: | BY: Robin Finney

Easy to submit a claim

Easy to submit a claim
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5

out of 5

POSTED: | BY: Karen

Claims are Easy Peasy to file

It is really easy to file a claim. All the steps are explained very well and there's never a question or anything unclear.
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1

out of 5

POSTED: | BY: Meg Waldahl

Claim submission window is unrealistic…

Claim submission window is unrealistic and hard to follow. Depending upon when your pet goes to the vet you could have as little as 61 days to file the claim or as many a 425 days to file. I am unable to file a claim for the current year, that occurred ~ 200 days ago, even after being a loyal customer of 10+ years. I don't appreciate this as I feel I found their loophole for being able to deny/not accept claims.
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3

out of 5

POSTED: | BY: Andres Pulido

They are good but....

They are always asking for my dog's records when they already have that information. So I have to keep resending everything several times.
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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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