Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Jeff Kirchick

Total scam

Total scam. Was lied to about what my policy covered, claims process was horrific and they reject everything. Liars and scam artists. They will state nonsense about pre-existing conditions, the issue is I spoke to a rep about having Wellness protection and it ended up not being covered.
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5

out of 5

POSTED: | BY: Renee Gentry

Understanding Goes A Long Way !

My experiences with You all has been nothing but Absolutely Wonderful. You're understanding of your customers/clients, difficult situations , sincerity and professionalism is unsurprised. BRAVO 🎊 👏
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1

out of 5

POSTED: | BY: Vittoria Incandela

Terrible service

I called to have them review my recent claim. They stated because my cat had a pre-existing condition her yearly check-up wasn’t covered by wellness rewards. Ummm.. yes it is. The rep said she would send it to an adjuster. She never did. Terrible service.
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1

out of 5

POSTED: | BY: Adam

First claim on my new pup and what an…

First claim on my new pup and what an absolute pain in the …. I even went to both vets and got the requested SOAP notes and uploaded myself. Then my claim was denied before the claims department even read the attachments! Then I had to argue that the notes were uploaded and all I heard was our system blah blah blah… eventually after I spoke to the adjuster after numerous calls the claim was reviewed appropriately and approved. I should never have to fight this hard when u did exactly what you asked.
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5

out of 5

POSTED: | BY: Jerry Hanks

You came through for Piper and us

You came through for Piper and us. She was a real sick puppy and thanks to you we all came out on top. Thank you.... Jerry, BJ and Piper
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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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