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.
3

out of 5

POSTED: | BY: Steven

Company more than doubled my pet…

Company more than doubled my pet premiums with little notice. No explanation and I had to call in to find out why. I couldn’t get an acceptable answer. Now I’m stuck with this company due to pre existing conditions which really upsets me as a consumer. I thought my premiums were stable.
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3

out of 5

POSTED: | BY: Jenn

Don't pay attention when reviewing

I have had a lot of trouble with getting claims processed correctly. Often they process for the wrong pet, or don't pay correctly (i.e., pay more for the wrong pet, less for the other). The new claims issue is they state my cats' receipts aren't legible. That's impossible - clear as can be. Their email says to check out the claims in the portal, but neither claim is there for either pet, and there is no correspondence in the portal. I just resubmitted 2 wellness claims from Feb! I don't know if they're working from home and getting interrupted
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1

out of 5

POSTED: | BY: John Henke III

Claims process is a pain in the a....

Claims process is a pain in the a.... Trupanion is 1 click email not so with this.
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5

out of 5

POSTED: | BY: Steven

He had all the time to answer my questions

Customer service was friendly, and courteous (I had a stroke fact affected my speech). He took all the time to let me get out what to say. He answered all my questions.
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5

out of 5

POSTED: | BY: Penny Everhart

Six years of happiness and stressless days.

We have had Embrace for six years now. I would and have highly recommend anyone with pets to have pet insurance. Embrace has always been efficient and quick to respond with reimbursements. Friendly and very understanding personnel.
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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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