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.
3

out of 5

POSTED: | BY: Robert Reed

Multiple Documentation Requests

It was difficult to discover exactly what the claims examiner needed to process the claim. We submitted ALL the documentation we had and still received multiple emails claiming they needed more information.,
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5

out of 5

POSTED: | BY: customer

My rating is based on the ease of…

My rating is based on the ease of filing claims and communicating with representatives. It is helpful to have the insurance for my fur babies and the app is a simple way to file claims
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5

out of 5

POSTED: | BY: Carlos

It was very easy to file

It was very easy to file
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5

out of 5

POSTED: | BY: A Jason Eldridge

ease of use… everything done within the…

ease of use… everything done within the app!!!
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2

out of 5

POSTED: | BY: Mitchell Haeuszer

Terrible System

The main issue was that they needed further information from one of the vets we attended. They weren’t making an effort to get it, and asked for my assistance for the info, but neither the online portal, nor the email request had info regarding which vet or what information they needed. After 3 phone calls with embrace I was able to figure out what they needed, and get it from the provider (which was very easy) and had them send it to me and Embrace, which I’m glad I did. I also forwarded the info and got email notification of receipt. One month later I get an email saying they never received it, so I get on the phone with a fourth rep, and have them put me in touch with an adjuster. Suzanne was great and got it figured out immediately. There’s just so many things wrong it’s hard to make any meaningful criticisms… but Suzanne was awesome, so two stars.
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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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