Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Mary Rodino

Fast and fair claims settlement

I am grateful to Embrace for their thoughtful review of my recent claim. This was my first claim after having the policy for 2 1/2 years. I wasn't sure what to expect. I found the claims process to be fast and fair. I also had the procedure pre-certified with them and found that process to be accurate. This was such a relief during a difficult time. Good news is that our kitty Charlie has fully recovered from losing five teeth (and four last year).
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5

out of 5

POSTED: | BY: Projectorist

Very easy to report

Very easy to report, send receipts. Almost Instant response, rapid reimbursement!
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4

out of 5

POSTED: | BY: John Hussey

Got it done in the end

Embrace knew what the precise hold up was whenever I called. The vet's office seemed to be the one that had missed something that Embrace required. The vet's office complained about not having proper contact information at Embrace (email, fax, website, etc.), I don't know if that information is readily apparent on all of the communications that originate with Embrace.
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5

out of 5

POSTED: | BY: Steven Carter

they get to the claim very fast and…

they get to the claim very fast and tell me what is covered and what is not. They are very helpful
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1

out of 5

POSTED: | BY: Hazel Castro KODY

Delay while they find a reason to deny…

Delay while they find a reason to deny . I cancelled one of my pets insurance already because he now has kidney decease completely new this year. 2 of the symptoms are vomiting and diarrra which they use as a pre existing condition. Completely outraged by this because lots of different conditions have diarrrah and vomiting.
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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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