Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: jreedwoh.rr.com

Very easy to submit claim. Feedback is excellent. Claims are handled very quickly. Rates are very reasonable.

Very easy to submit claim. Feedback is excellent. Claims are handled very quickly. Rates are very reasonable.
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2

out of 5

POSTED: | BY: Vanessa Mckenna

I think embrace should have paid more…

I think embrace should have paid more than 100 dollars back from the only claim we ever processed
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1

out of 5

POSTED: | BY: Ciera Clapp

Misinforms their customers

I took my dog into the vet for vaccines and a check up and they discovered she needed to have two teeth extracted and a lump mass removed. I sent the estimate for this procedure over to Embrace to be pre-certified and they told me over $2,000 of the procedure estimate was approved for coverage. I proceeded with the procedure and when I submitted my invoice after the procedure, Embrace only refunded me a quarter of the amount they originally told me. I contacted Embrace twice after receiving the news about my low refund and they told me someone would get back to me with the details the next business day, no one did. No one can explain to me why they told me one amount and then refunded me something completely different. I sent Embrace another email outlining my experience with the coordinating claim numbers, amounts, details, etc. and haven’t heard anything back. I just keep receiving emails to review my experience, which I was waiting to do in hopes that Embrace would resolve this before I had to leave a poor review but they did not. This is incredibly disappointing, I don’t know why I pay for insurance for my dog when it doesn’t do much. Embrace is not a trustworthy company.
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5

out of 5

POSTED: | BY: David N.

Embrace Pet Insurance is a top-notch…

Embrace Pet Insurance is a top-notch company. From the policy flexibilities, ease of payment, ease of claim submission, speed of payment, I can't say enough good about them!!!!
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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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