Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,744

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.
5

out of 5

POSTED: | BY: Joe C

Claims are online, easy, and intuitive.

Although I (fortunately) have not had to file many claims, the online process has always been easy and intuitive. With this most recent claim, I find they've made the process even easier, as they pursue any questions, etc., directly with my provider, requiring no extra effort on my part.
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3

out of 5

POSTED: | BY: Wendy Britton

it was a bit difficult going through…

it was a bit difficult going through the process because I was getting and old claims popping up, however, I finally got through
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5

out of 5

POSTED: | BY: Elizabeth

I have recommended Embrace Pet…

I have recommended Embrace Pet Insurance to many of my pet-owner friends. Thank you for your continued good service for the last 10 years!
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1

out of 5

POSTED: | BY: m ori

Rescued or Adopted may Fail Pre-X Review

I cancelled my policy with no claims filed after the Claims Department set up a non filed claim for dental after obtaining invoice from Vet. For Rescued Adopted Pets the Claims Dept. will Deny a claim for which there is no additional information available. For all Pet policies be sure to understand the Pre-X coverage and how it is administered. It is not always stated in the Policy!
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1

out of 5

POSTED: | BY: Josue Diaz Rivera

Totally a scam

Totally a scam. More than a yr paying for it, when I do first claim, they sit on it for months claiming it needs more documentation when everything has already been provided. It’s until u call pissed saying you’re gonna cancel that they ACTUALLY start working on it. At the end never received a penny on any of my claims and NO REFUND EITHER. They just gave m the refund for the current month prorated. If I could gave zero starts I would. Do not waste $$$ on this crap.
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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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