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: Harold Ballard

I am now searching for new pet insurance

I am now searching for new pet insurance. This is not for me. I don’t like that I pay for everything and wait until you decide to reimburse and then tell me it’s not covered. To add insult to injury you raised prices without notifying me
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4

out of 5

POSTED: | BY: MARINEWTI

Embracs Claim Processing Error

Had to contact Embrace, IOT correct their claim processing error.
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5

out of 5

POSTED: | BY: Jimbo Skip

Easy to fill out the forms

Easy to fill out the forms! Uses a step by step approach to filing a claim.
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1

out of 5

POSTED: | BY: Michael M

One year renewal rate went up 33%

One year renewal rate went up 33%. This is a rip off. There are much cheaper. Better options for pet insurance out there.
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4

out of 5

POSTED: | BY: Kostiantyn

Quick and helpful support team

We have a cat with some pre-existing conditions. After a regular annual check-up, as usual, we submitted a claim. Initially, the claim was rejected because one of the items in the invoice was related to the preexisting conditions, despite explicitly mentioning that items associated with the pre-existing conditions are not included in the claim amount. However, after the appeal call the claim was quickly re-checked and was properly attributed to the wellness rewards. And by "quickly" I mean that it was rechecked in 2 days, while the initial review took almost 2 weeks. So the overall experience is good - minus for the lack of attention on the initial review, plus for the quick and helpful support team and quick re-check.
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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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