Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,341

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.
3

out of 5

POSTED: | BY: Harvey Braswell

It's not really clear how to submit a…

It's not really clear how to submit a prescription for Heartgard. It's a preventive, medicine that requires a Vet to write the prescription, but yet, there's not a diagnosis available to accompany the claim. You get all these warnings that your submission will be delayed without a diagnosis.
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5

out of 5

POSTED: | BY: Kim Bovard

One of the Best!!

I have been using Embrace for several years now and have had a great experience in using their services for my dog. She suffers from regular ear infections and allergies, and Embrace has been an easy process for claims. Can't say enough good things about Embrace Pet Insurance. It is one of the best.
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5

out of 5

POSTED: | BY: Steve Stone

Easy to submit a claim

Easy to submit a claim. Wish they could use other document formats other than PDF so I didn't have to scan all the time and could just download a webfile and attach it.
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4

out of 5

POSTED: | BY: Marie Macomber

Love that check ups and preventative…

Love that check ups and preventative visits are also covered! I have 3 dogs, and the wellness visits are so expensive.
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4

out of 5

POSTED: | BY: Linda Givler

Invoice submission

I was submitting an invoice. It mostly works well but twice I was kicked out of invoice submission and back to the home page
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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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