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.
3

out of 5

POSTED: | BY: Jackie Colaizy

Embrace offers good products, but one needs to be diligent about how claims adjusters process claims.

Embrace offers good products, but one has to stay alert to make sure they reimburse for qualified services. It seems that claims adjusters make arbitrary decisions about whether to pay or not. I submitted a claim to use wellness rewards for my pet’s recent annual physical. The adjuster changed my claim to an accident/illness insurance claim and initially didn’t cover anything and said my claim amount would pay toward the annual insurance deductible ( there is no deductible for wellness (preventative health services.) I disputed this and the adjuster changed the decision and covered my claim in full. It was a straight forward wellness claim that took over a week to resolve. One has to know the Embrace policies and be diligent about how they process your claims. My premium just went up by $50 per month, with no explanation, so I need to contact them again about this. I’ve read that they increase premiums as the pet ages, and my cat is 8 years old, which is not that old for a healthy, spayed indoor cat. I may not keep this insurance, and am currently considering decreasing coverage at the very least. I mainly took out this insurance because it offers dental insurance for my younger cat that has chronic dental issues.
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5

out of 5

POSTED: | BY: Joaquin Alicea

The customer service is amazing

The customer service is amazing; they are always ready to support me with any doubt or information I need.
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5

out of 5

POSTED: | BY: Barbara L.

Embrace pet insurance makes it easy

Embrace pet insurance makes it easy. I don’t have anything other plan compare it to, however you you submit a claim, the process is very easy. If you live your pet as much as I live mine, and you don’t have Embrace, I would highly recommend them. They are nationally known as one of the best for pet insurance.
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1

out of 5

POSTED: | BY: Andrew

Left hanging by Customer Support

The company cancelled our pet's policy before processing all the outstanding receipts and we are left with a big bill that was pre-approved for coverage. We have contacted customer support a number of times, and while they are very helpful on the phone, the issue is still not resolved and it seems like a big run-around to avoid paying a legitimate claim.
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5

out of 5

POSTED: | BY: Karen Chiles

Easy filing and prompt returns.

Contacting by phone very easy. The whole experience has been great so far.
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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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