Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,988

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: Alan Yamamoto

Easy to navigate the claim process

Embrace is so easy to navigate for claims and reimbursement for Vet services is very fast...within 5-working days. This IS our pet insurance of choice.
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1

out of 5

POSTED: | BY: Lesli Groshong, DVM

Mis-interpretation of previous medical history

My son's cat, for whom I pay the insurance premium, was given a permanent exclusion with a diagnosis of anxiety which doesn't exist in his medical record. To make his visits to the veterinary clinic Fear Free, he was prescribed gabapentin to be given prior to veterinary visits. A letter of appeal was submitted by the prescribing veterinarian to explain the situation but this was not given any merit. Pre-visit gabapentin is a very common practice and should in no way be linked to a diagnosis of anxiety. I'm very disappointed by the interpretation of the medical records review and spent nearly an hour on the phone talking to staff at Embrace.
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2

out of 5

POSTED: | BY: Diane Zyskowski

Claim for scratching

I don't believe this last claim falls under wellness. Policy #EP0062-3885 states where is allergy with meds would be wellness when if fact if the meds they perscribed do not work he will need a blood draw to see why he is still biting and scratching in dogs could be caused by serveral reasons. Currently he is on his second week of meds and still no change in his condition. I believe this would fall under medical where I pay 90/10.
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5

out of 5

POSTED: | BY: Karen T.

Claims are handled promptly.

Claims are handled promptly.
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5

out of 5

POSTED: | BY: D Foley

Filing claims is fast and easy online.

Filing claims is fast and easy online.
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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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