Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Shayne Howe

I put in a claim yes it took a LONG…

I put in a claim yes it took a LONG time like everyone said. Then the claim was preexisting…. How is that proven? There was no record of a preexisting condition. So if you can’t prove something was preexisting, how do you deny a claim and say it was preexisting? If you want to try to claim that you should either require an exam before coverage can begin or change the waiting period or come up with a way to back a claim such as preexisting up. If you can’t then guess what you should do what you’re supposed to do.
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5

out of 5

POSTED: | BY: Ron

The overall process was easy and Jeff…

The overall process was easy and Jeff our contact was very professional and explained the program very well.
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1

out of 5

POSTED: | BY: William Collins

Absolutely Terrible

Absolutely, terrible. Do not recommend embrace at all. They took forever to respond or get through to then it was like they continuously looked for any reason they could not to cover something. When it was only a minimal charge at the most, and then they made me go. Other clinics and get documentation from where I had traveled, which was very difficult to do, and then when no diagnosis was given, they gave their own diagnosis, which am I opinion is very fraudulent if there is no condition. And there is no diagnosis. Then you can't just make one up out of the blue.
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1

out of 5

POSTED: | BY: Erica Mutton

Two days and still no call back

Long waits for customer service, they transferred me to another department to answer my claims questions, no one answered and I was prompted to leave a voicemail, no call back for two days now.
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1

out of 5

POSTED: | BY: warren queton

It is costly and would not cover my…

It is costly and would not cover my dog's allergy condition, which the plan listed as a pre-existing condition and did not cover any costs. We paid more for the wellness points, but it still didn't cover what I paid out of pocket for my dogs' health care. I am a veteran and purchased the plan at the recommendation of USAA, but I won't be doing that again.
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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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