Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Heather

It's so easy to complete a claims form

It's so easy to complete a claims form. Timely responses and refunds paid directly.
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2

out of 5

POSTED: | BY: Beth Traylor

I found it very frustrating when…

I found it very frustrating when submitting a claim because of the lack of feedback from the company. The claim was "in review" for weeks and weeks. When I would email, no reply. When I called, I had to be on hold for 20 min each time. The person on the phone would assure me it was in process, but then it was eventually put "on hold." I had to make several more phone calls (on hold 20min each time) and explain the situation over and over, before someone could finally tell me what simple piece of paper was missing. This information could have been called or texted to me when reviewing the claim, and at the very least, listed in the portal for me to see when I logged in to check the progress. Although I ultimately received my claim reimbursement, it took almost 8 weeks due to their lack of communication- even though I had done everything on my end. It was as if they were just hoping I would forget and not follow through on it. It took over 1.5h of my time to get to the bottom of it even though it was a straight forward case. When it was all done, there was no acknowledgement of how poorly it had been handled. It would be better to be assigned a specific person who was reviewing the claim to contact directly, instead of having to go through it with someone new every time. Some accountability would be nice.
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3

out of 5

POSTED: | BY: Andrea Branham

Information had to repeatedly be sent

Information had to repeatedly be sent. I called the vet and they had already sent it to you twice. It seem as though it was just a tactic to take longer to pay my claim. Claims not required for payment was processed really fast. Whether or not you need to pay or not pay a claim , it should be processed quickly and and efficiently.
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2

out of 5

POSTED: | BY: Carinna

Not checking email

Both of the times we’ve sent in claims, our vet has provided the pertinent info immediately, but we’ve received several emails from Embrace, saying that they’re still waiting on the vet. Frustrating.
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5

out of 5

POSTED: | BY: Patrick Brady

Easy enough to complete

Easy enough to complete. First claim I had to do in 4 years. Hoping it doesn't bring my premium way up.
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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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