Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Michelle Brown

Claims experience

Our dog came down with pneumonia and required a 5 day hospital stay. The bill was significant to say the least. I had never had a claim before and was very certain that I would have difficulty with the process. I was wrong. The claims process was easy and payment was prompt and in agreement with the specifics of the insurance. We were very happy and also very relieved that part of this expense was covered and that our dog made a full recovery. Thank you embrace.
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5

out of 5

POSTED: | BY: dmitch7612

It is easy to file a claim

It is easy to file a claim. Payment is made quickly. There is an easy-to-understand explanation of benefits.
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2

out of 5

POSTED: | BY: summer larrieux

They are quick to deny a claim but them…

They are quick to deny a claim but them say it takes 15 to 30 days once you appeal it!! Also when you start don’t do ANY extra exams… they say 30 days for your first claim then after it will take up to 10 days .. I’m probably going to switch !! They are awful
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5

out of 5

POSTED: | BY: Katherine

Great website with easy ways to file…

Great website with easy ways to file claims. Staff are wonderful.
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2

out of 5

POSTED: | BY: Nagabis Gonzalez

They don’t follow up with clients

They don’t follow up with clients. Claims take way longer than they say
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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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