Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: MB Gay

Embrace is a model for responsive and timely requests

Recently our beloved pet contracted pneumonia and needed a 7 hour hospital stay that included a chest X-ray, intravenous fluids and medications. The process for filing a claim with Embrace was seamless. The response time was fast and we were reimbursed within a two week period. The pneumonia persisted for six weeks so several follow up chest X-rays and continued oral medication continued throughout. Again the process for filing the claim and getting reimbursed was straightforward and timely. I wish all insurance claims were as streamlined. Thank you, Embrace.
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5

out of 5

POSTED: | BY: George Selekman

Claim process

Online Claim process from my smartphone was very straightforward .. easy to use. There was some latency but may be from my WiFi connection. All good!
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2

out of 5

POSTED: | BY: Heidi S

Make certain you did your homework..

When originally contacting Embrace Pet Insurance spoke with Kati, who was very polite. She explained their Satisfaction guarantee or they will refund the money and cancel the policy. A few days after the initial enrollment I realized that Fetch who I have my Frenchie insured with was significantly less for the identical policy. This was back in January when I was assured that my refund would be posted and reflected upon my card within the next few business days. That’s come and gone alongside 4 more conversions with representatives ensuring the sameness of my refund. The real issue I have is that every month for 4 consecutive deductions of 122.96 they have continued automatically paying themselves but I still haven’t received a credit. Just as recent as March 30th I contacted Embrace coincidentally reaching Kati she took a look at my account stated they noted it and sent it up for a refund process but couldn’t give me any explanation of why I am still being charged, She Spoke with her supervisor who said they would expedite this refund process….. Here I wait for now accumulated $400 that they have STILL NOT REFUNDED.
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5

out of 5

POSTED: | BY: Nancy Gonzales

uploading the claim and backup…

uploading the claim and backup paperwork was fast and easy. The turn around time for reimbursement is also done in a timely manner.
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5

out of 5

POSTED: | BY: Jean Harrell

They are always understanding and…

They are always understanding and listen to you. They are very knowledgeable. If the person you are talking to doesn't know the answer they will get you to the proper person. Very pleased with their service
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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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