Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Marsha Weintraub

Keep searching for a carrier

I submitted wellness visit on all 3 of my dogs. I was informed by the salesperson I could use the wellness immediately. I had my vet's office send all history and they requested as well. My vet's office has shown proof of them sending the information. I have uploaded information and after more than a month they have finally paid for 2 of my dogs. The other is still on hold for lack of records which have been submitted more than once. When you speak to a person you get the same song and dance. once we receive the records it will take 2-3 weeks to review. Or we have everything I see the records have not been reviewed yet. Then a few days an email saying they have no records. However, they are on the ball to take your money.
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1

out of 5

POSTED: | BY: Cyndi

Embrace Reviewed vet’s clinical notes

Embrace Reviewed vet’s clinical notes, and from this, Embrace made a diagnosis. Then they exempted payment for any treatment of the disease that they thought my dog might have. The vet made no such diagnosis! Sham
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5

out of 5

POSTED: | BY: michael stout

My pup had lupus

My pup had lupus. No problems at all. Claims are easy to do. Got paid quickly with no problems. As she continues to go to the vet, it is nice to know there are no worries about me being able to afford her treatment.
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1

out of 5

POSTED: | BY: Erynn Brisson

Perhaps filing my claim within a month…

Perhaps filing my claim within a month and not making me reach out repeatedly to get them processed. Also maybe not immediatley declining my claim and then needing to undecline it. And then repetitively asking for information that was already sent in. That would be weally weally nice.
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5

out of 5

POSTED: | BY: Lezlie Manukian

Customer service and communication is…

Customer service and communication is AMAZING!!! They have always paid my claims. Thank you.
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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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