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.
1

out of 5

POSTED: | BY: customer

They don't pay for any claims

They don't pay for any claims! Beware! I put in one claim they asked for more medical records,,AND SENT IN MORE RECORDS from the new VET and then they refused payment stating I needed previous medical records from previously!! How can i get previous records when she was a Rescue cat?? They Never said that when i signed up with them. They just don't want to pay any claims! I had their better ins where they suppose to pay 90% of the visit. They Paid Nothing!! and I had to pay over $850 out of pocket!! STAY FAR AWAY...NO GOOD!
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5

out of 5

POSTED: | BY: Kristen Jensen

Ease of claim submission

Ease of claim submission. Quick review and response.
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5

out of 5

POSTED: | BY: Mary Stepp

Wow, very pleased.

Wow, first time I've had pet insurance. This company is awesome. So, made my first claim. It said because it was my first claim, it may take 30 days. Well, no, it didn't. I made a claim on Wednesday this week and on Friday I had a deposit in my bank account. This process was easy and fast. I've known others who had it with different companies and when they would make claims, the company would make excuses why they wouldn't cover it. Not with Embrace. And it was a substantial amount of money. Took out my deductible and deposited the rest in my bank account. I had to ask a question, called their customer service number. Krystal was pleasant, helpful, and explained everything to me. Really, really happy with this company.
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5

out of 5

POSTED: | BY: Bettie Brown

Thank you

Thank you for being there for Twin!
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5

out of 5

POSTED: | BY: Melvin Sykes

It was a surprisingly terrific…

It was a surprisingly terrific experience. Two claims were paid the same day they were filed.
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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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