Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,864

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.
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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4

out of 5

POSTED: | BY: Damian

Easy to use app and claim process

Easy to use app and claim process. It was good to be able to track the progress of my claim and getting messages from the team of the status and other items I could do to get the process finalized.
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1

out of 5

POSTED: | BY: Laura Webb

My claims experience was horrible!

My claims experience was horrible!! After 4 weeks of waiting I started calling and was told they didn’t have enough info on my pet. I phoned the dr office and they sent complete records to you. I still had to make several phone calls to find out when I was going to be reimbursed. My pet is only 2 1/2 yrs old and has never been sick or had a claim in the past. I will be shopping for new insurance because ya’ll take my money every month and the first time I use it was a terrible experience. Good riddance
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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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