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: Rick Prosser

Mis-represented coverage and UPDATE

I contacted them 2 years ago to insure my cat for urethra obstruction and was led to believe that it would be covered after a 1 year wait period. 2 years later it occured, and Embrace just rejected my claim and said it is a non-covered condition. There is something in the contract that let's them do this, but it was not noted when we were discussing coverage on the phone - so be sure ALL aspects of the contract are clear on what coverage you may/may not have. UPDATE: After posting review, I got a new update and they have decided to accept my claim.
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1

out of 5

POSTED: | BY: Evandro

Claim support service

Completely frustrated with the claim support service.
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5

out of 5

POSTED: | BY: Michele

Fantastic support

I submitted several claims at once for a series of visits during a week period for treatment for my dog. Not only were the claims approve in 12 hrs (not 5-10 bus days) they had the money in my account in 48hrs. Exceptional service that was greatly appreciated during a very difficult time!
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5

out of 5

POSTED: | BY: Heather C.

Complete Peace of Mind

I've had Embrace Pet Insurance for my dog since I rescued her 9 years ago. The customer service is second to none and they make submitting and tracking a claim so easy. I have complete peace of mind knowing my pet is insured by Embrace.
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5

out of 5

POSTED: | BY: Barbara Luchetta

Answer the phone

Answer the phone. Dont let me wait over 1 hour and no pick up or follow up Update, good follow up to review
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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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