Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,783

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: Faith Rains

This company sucks with timelines

This company sucks with timelines. We have been waiting for them to review my dogs medical history to determine if the costs will be covered. I have spoken with the vet and they seem to be providing Embrace everything that they have asked for in a timely manner yet nothing. This frustration could have been avoided had Embrace kept me in the loop of any and all updates. This would have been helpful instead of me trying to track information. Once the coverage term expires I will be looking for another pet insurance company.
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5

out of 5

POSTED: | BY: Biz Magarity

We have had a very tough year with our…

We have had a very tough year with our dog! She has had knee and stomach surgeries. The process for reimbursement and support from Embrace staff has been so helful.
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5

out of 5

POSTED: | BY: Vannessa Spence

The claim process is easy to follow

The claim process is easy to follow. Communication is beyond great. Website is transparent and simple. I don't like billing but this is the VET world and once you understand what's going there's no second guessing. Embrace has taken it upon themselves to educate their customers in a very simple fashion and I really appreciate their patience and consideration.
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5

out of 5

POSTED: | BY: Gg J

Claim submission

The process of submitting a claim is very simple the front page says "submit claim" once you click on this prompt it is a simple process of reading and providing the requested information.
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4

out of 5

POSTED: | BY: Kolleen

The app needs some kinks worked out

The app needs some kinks worked out. Normally I would have submitted through that as I have had no problems doing that in the past. Even after clearing my cache on my phone, the app would not load up properly. I had to log in to my account on my computer once I got home and upload with my printer/scanner. It wasn't that huge of an inconvenience, but had I been a client without a scanner or other mode to log in to my account, it could have been a major turn off. Being able to do it on the phone really is handy - you can do it right away and know it's done.
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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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