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: Christopher Thompson

Filed first Claim.

Filing my first claim was convenient and simple with no fuss on the website. Within a few days payment was deposited directly to my bank account adding to the convenience.
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5

out of 5

POSTED: | BY: PAUL

Service was respectful and helpful

Service was respectful and helpful. Payment was prompt and fair. The rest of the insurance industry could learn a lot from you.
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1

out of 5

POSTED: | BY: Steph Holliger

Mistake on medical review has left me in debt

I truly hate leaving bad reviews but I feel this experience should be stated so others don’t go through what I did. I got a medical review done for my dog to identify preexisting conditions as I wanted to get a dental procedure done but knew I would not be able to handle the bill on my own. They mentioned a few knee problems as preexisting conditions and nothing else so I felt confident I would have their financial support. Over a month later, they saddled me with the entirety of a 2.2k bill saying that periodontal disease was a preexisting condition. I tried to get the claim appealed since it wasn’t mentioned in his medical review and all they said was “sorry it should have been included.” Now i’m left with a huge bill that i’m not sure how i’ll pay for. I felt completely abandoned and no accountability was taken for their mistake
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5

out of 5

POSTED: | BY: jacqueline

Excellent customer service

I have been with this company for a long time always had excellent service!
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5

out of 5

POSTED: | BY: Rene

Claims process was really fast

Claims process was really fast. I submitted my claim and had my refund within days. Very satisfied with the 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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