Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: E&JMelian

The WORST

The WORST. When you are paying hefty premiums for months and file a $300 claim with zero response or action, you know it’s a scam. We went to Spot and they have been stellar. I cannot stress enough to please do your research and, by all means, stay away from Embrace. The only thing they ‘embrace’ is your monthly premium. They love your money but refuse to pay for a simple claim. They are a fraud.
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4

out of 5

POSTED: | BY: Jan Vales

The claim was processed quickly but not…

The claim was processed quickly but not correctly. When the claims software scanned the receipt it interpreted the description the vet hospital used as a Wellness claim instead of an Illness claim that it actually was. I called the customer support phone and got an agent who quickly understood the issue and got it to an adjuster to reprocess it. The claim was reprocessed by the next day. All's well that ends well.
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5

out of 5

POSTED: | BY: Ellen Blodgett

The advisor on the phone was able to…

The advisor on the phone was able to solve the problem and provide me with the claim information .
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2

out of 5

POSTED: | BY: Tricia Demarest

Used to be good

Used to be good. Then they just weren’t. Currently cannot access ANY of my policy information, coverage, file claims So far no fix. They said a few hours. It’s been days.
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5

out of 5

POSTED: | BY: DOMINIQUE

New Service

Getting our new pet set up with insurance was smooth and easy. From the offered service Embrace had the best options available to meet our needs. I look forward to continuing our service for many years to come.
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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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