Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,988

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: CJ Garcia

Is kennel cough really a preexisting condition

Up until this point Embrace has been great. My dog got kennel cough from daycare and the claim was denied because back in December, before we adopted her and before the policy took effect, she was diagnosed with an upper respiratory infection. They are claiming the Kennel Cough is a preexisting condition because it “could have been kennel cough” back in December. It’s maddening that I’m even in this boat given that … wait for it … KENNEL COUGH IS NOT A PREEXISTING CONDITION!!!! UPDATE: Sometimes it’s better to not reply to your patrons. Citing the policy and getting defensive is not a good look. Instead perhaps look at options you can provide your customers to potentially avoid situations like mine. Just a thought!
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5

out of 5

POSTED: | BY: Simone G

Fast easy to use site

Fast easy to use site. Company is very responsive.
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5

out of 5

POSTED: | BY: Adeline Raganas

They responded fast....good choice for…

They responded fast....good choice for pet insurance...
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5

out of 5

POSTED: | BY: Amanda Cannon

Very pleased.

This is as the second claim I had to submit for my dog. I wasn’t expecting one of them. However, they the processed both claims in a very quick time frame. The moneys were deposited in my account within 2 to 3 days. I wasn’t expecting such a quick turn around. I am very please with Embrace.
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5

out of 5

POSTED: | BY: Kelly P

I have been with Embrace since 2015 and…

I have been with Embrace since 2015 and have had excellent care with my digs claims and the employees all care. The claims are paid and deposited with 48 hours usually. No harassment to ger reimbursed, they just take care of our FUR BABIES!!!
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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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