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: Carolyn Goodwin

Inconsistent handling of claims

The first 2 claims were handled quickly and efficiently. I have had problems with another 2 claims, however. While the staff is pleasant, nothing happens. They either need more information or didn’t receive what was submitted. The vet sent the information twice. Not good enough. They wanted information since the puppy’s birth. Fortunately, I did have some pedigree information and medical care information. Still haven’t received reimbursement after 2 months. No consistency. They say claims usually take up to 30 days. Stock up on your patience.
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5

out of 5

POSTED: | BY: Dan Rahn

Prompt service of my pet insurance…

Prompt service of my pet insurance claims.
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1

out of 5

POSTED: | BY: Dennis LaRochelle

Ilusory coverage. Non responsive to inquiries

Ilusory coverage. Non-responsive to inquiries. Onerous requirements for establishing lack of pre existing conditions. Catch 22 exclusions.
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5

out of 5

POSTED: | BY: Kitrena Warren

Easy website and Claims process

Easy website and Claims process
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5

out of 5

POSTED: | BY: Terrance Owens

Ease of filing wellness claims online…

Ease of filing wellness claims online and prompt review of all claims. Great Service!!
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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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