Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,000

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.
2

out of 5

POSTED: | BY: Adrianne Corrine Greenholt

This Insurance Sucks!!

I have taken my Pets for Routine Annual Pet Vet visits and Vaccines. Both my Pets went for their Annual visits in November 2023. I did not try to receive payment for these Vaccines or visit, However, when I took my Dog Sadie into our regular vet for a new Health concern after the waiting period and my claim was denied after being told they had received complete records to move forward with my claim. After waiting forever, received a comment that records for Sadie were incomplete and my claim was denied to to a previous existing condition as they decided on my claim!!!! I canceled the next day. Customer representative was also very rude and condescending to me on the phone.
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5

out of 5

POSTED: | BY: Sheila Devdas

Customer care and proffesionalism

Ms Amanda Olszewski , the claims adjuster was so professional . Kept me informed about documentation requirement's and always followed up with an email and claim was reviewed and paid . Very professional , polite and eagerness to assist.
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5

out of 5

POSTED: | BY: Anahid Avanesian

I was pleasantly surprised how fast…

I was pleasantly surprised how fast they processed the claim hassle-free Its a peace of mind to know they are a click away
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5

out of 5

POSTED: | BY: Gail Hefley

Claim approval and coverage exactly as…

Claim approval and coverage exactly as stated in policy. Claims generally take longer than other companies and are not within a few days, but totally acceptable given the coverage and claim approval I've dealt with. 100% happy with Embrace!
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5

out of 5

POSTED: | BY: Douglas Craig

EMBRACE PET INSURANCE IS ABLE TO…

EMBRACE PET INSURANCE IS ABLE TO COMPLETE CLAIMS IN A TIMELY MANNER AND IS IN CONTACT WITH US REGARDING INFORMATION NEEDED FROM VET SO THAT THEY CAN REVIEW AND PAY CLAIM FAIRLY.
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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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