Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,795

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: Carol Swenson

They don’t do as promised

They don’t do as promised. They delayed processing claims. Sent in claims in March and April. They still were not processed in August. They didn’t process the claims until I asked to cancel and threatened Better Business Bureau complaint. Cancelling was a hassle to. It took them 3 days to process my request to cancel!
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5

out of 5

POSTED: | BY: Marife Balingit

Claims were processed quickly

Claims were processed quickly. Very happy with the service.
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1

out of 5

POSTED: | BY: Denise

Dissatisfied

Embrace says it's a 30 day review period. It's not. Took at least 60 days. They also had wrong diagnosis on the review. Really hard to get through on phone. I paid one year in full. Asked for money back and only received partial return of money. They said I was insured during that time but policy says not insured until review is completed in 30 days. Took 60 days, no claims made, no insurance and only partial return. They are shady.
2

out of 5

POSTED: | BY: Consumer

You cannot use paperwork from the…

You cannot use paperwork from the foundation or shelter you adopted from, so you have to take your pets to the vet within 2 weeks. That's alot of money!
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5

out of 5

POSTED: | BY: Vivian Saenz

They were very helpful on my claims.s.

They were very helpful on my claims.
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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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