Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,763

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: Go Insolvent Embrace

Worst experience I ever had with a pet…

Worst experience I ever had with a pet insurance company. They will deem everything as pre-existing even if the medical history says the opposite. The phone reps know zilch about insurance in general and tell you a claims adjuster will get back to you in 10-15 and sometimes 30 days and then it takes 3-6 months for claims to be reviewed. They even said my dogs diarrhea was pre-existing! Please stay away from this horrific company. They will make you jump through impossible hoops and provide medical history that doesn’t exist. Don’t get me started on the orthopedic report card, that’s a joke. 6 month waiting period and NOTHING is covered unless you get the form filled out. Adjusters are a literal joke and just send you automated messages. Save up, have an emergency fund and pay out of pocket for your pets. Or waste your money on pet insurance like I did.
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5

out of 5

POSTED: | BY: C. Mackay

Prompt payment of claim

Prompt payment of claim. Coverage was as was expected. Thanks!
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5

out of 5

POSTED: | BY: Barbara Swanson

Very efficient quick response

Very efficient quick response
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5

out of 5

POSTED: | BY: Heidi

So easy to submit the claim online!

So easy to submit the claim online!
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5

out of 5

POSTED: | BY: Jonathan Kasprisin

Very easy to submit claims and system…

Very easy to submit claims and system allowed me to look up providing facilities
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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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