Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Patricia Bahr

Taking too long for reimbursement of…

Taking too long for reimbursement of claim. That last two claims were for the same virus that took more antibiotics to cure.
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5

out of 5

POSTED: | BY: Lynn

easy to follow

The process was easy to follow. Appreciate that you can go back, and fix an error.
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5

out of 5

POSTED: | BY: Nancy

I cannot believe how great the customer…

I cannot believe how great the customer service was, Xena, who helped me so much was nothing less than great. Submitting a claim on the Embrace website was super easy. Not sure it’s always this fast, but I submitted I think 8 claims and they were processed in less than 90 minutes! Why can’t human insurance go this smoothly?
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5

out of 5

POSTED: | BY: AnneM

This review is based upon our initial…

This review is based upon our initial interactions with customer service representative Heather. Our 3 year old border collie has been insured through Embrace since he was 4 months old. He has been an outstandingly fit, robustly healthy, and energetic dog. This summer he suddenly developed a skin rash which set off a cascade of increasingly miserable skin conditions still under treatment. This will be our first experience filing claims because all prior vet bills have been wellness related, and considerably under the deductible. We'll see how the claims process goes and review that experience here on Trust Pilot.
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2

out of 5

POSTED: | BY: Blyler Nahodil

It takes for ever to review the bill

It takes for ever to review the bill. And you don’t pay hardly anything. Very disappointed!!
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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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