Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,873

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: Ebonie Sorrell

I have spent a crap load of money and…

I have spent a crap load of money and you have returned a fraction of it from two claims I submitted. A that’s crap! So no I don’t understand why I have insurance if I’m going to end up paying majority of the bill! Useless. My bill was almost 800 to a $1000 for Luca’s ER Visit an you paid me a measly portion of $124 for an unplanned ER visit. Whatever I won’t be renewing. It has to be something better!
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5

out of 5

POSTED: | BY: Julie Cann-Taylor

Fast and accurate claims review

Fast and accurate claims review
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1

out of 5

POSTED: | BY: Janis Albright

Claim money not getting transferred to my account

Embrace said they would reimburse me for 2 claims, but the $ not showed up in my account. I've waited awhile and then was in contact with Claims Dept., and they said they will report it, and it may take another 15 working days. This is my first time getting claims after paying Embrace for premiums, and I am disappointed that it is taking so long to get this solved. It has been over a month that my first claim was granted.
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5

out of 5

POSTED: | BY: Martha Legg

Beagle with bronchitis.

Our beagle developed bronchitis and she needed x-rays, blood work, and medication. I submitted my first invoice and Embrace applied the entire amount to my deductible, which I then met, and reimbursed me for my percentage of the remaining invoice. The process was quick and painless and I found Embrace to be very fair.
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5

out of 5

POSTED: | BY: Lindsay N

Always responded promptly and claim was…

Always responded promptly and claim was processed quick and easy!
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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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