Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,775

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.
5

out of 5

POSTED: | BY: Tim G.

You are so understanding and I feel…

You are so understanding and I feel like you really care about my pets and their welfare. Thank you
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5

out of 5

POSTED: | BY: Michelle Willliamson

Super speedy service and all agents…

Super speedy service and all agents have been pleasant to work with.
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3

out of 5

POSTED: | BY: William Dymond

1 Very Good Employee To Save The Day…Company Itself Needs More Like Her

I gave 3 stars, because at first, the experience was a bit rocky and rough. I was under the impression that all the medical records had be looked at prior by Embrace, but that wasn’t the case. They took over a month to reimburse me, but I finally got an adjuster who was ready to do her job the right way and keep me as a customer with Embrace as I was ready to leave and file a lawsuit against Embrace. In the end, Sabrina did a great job. She reviewed the medical records of my dog Stormy who the claim was entered in for, and got me my claim reimbursed to me in a very responsible amount of time from when she took on the case for me. Then after that, she offered to do a medical review for my other dog Dakota to prevent this issue from occurring again in the future. I will be honest, Sabrina is the reason I give a 3 star review, because if it wasn’t for her, it would be a 1 star review. Embrace should consider offering Sabrina a manager or supervisor position, because she would be an excellent leader within your company. I am very thankful to her and for all the help in making what was an extremely stressful situation into a much simpler process. Thank you Sabrina for all your work into making this go over much smoother.
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5

out of 5

POSTED: | BY: Dennis W

Easy-to-follow steps to submit the…

Easy-to-follow steps to submit the claim.
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5

out of 5

POSTED: | BY: Ashley Walker

Easy to do and straight forward.

Easy to do and straight forward.
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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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