Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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.
2

out of 5

POSTED: | BY: Joseph Dowd

Continued denial of my Chihuahua's claim

Over the course of a year my Chihuahua has had an eye problem. After several visits and treatments by the Vet and my vet stating in writing that he did not have KCS Keratoconjunctivitis. Embrace Pet insurance keeps denying my claim. I have been with Embrace for 3 years now and just today took my little guy to a specialist and was diagnosed with Third Eyelid Gland Prolapse. If they deny this claim that's it I will be done with them. They try to tag everything as pre-existing.
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4

out of 5

POSTED: | BY: Jazmin Gibbons

Great experience submitting my claim

Great experience submitting my claim. First time doing so and it was very easy.
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5

out of 5

POSTED: | BY: Elizabeth Peavler

Easy to file claims

Easy to file claims, check is always in the mail quickly, coverage is great!
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4

out of 5

POSTED: | BY: Lola Greenspan

Could Not Access ACCOUNT:Had to call Embrace as first time to…As first time submitting the form and was a little confused as User Name and Password would not work.

Had to call Embrace as first time to submit a claim. Each person was very helpful and patient. Hardest part was downloading the Invoice. Next time should be easier as form not too difficult'
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3

out of 5

POSTED: | BY: Forrest

Beware premium increases.

Price was fair and coverage seemed great, until I moved five minutes up the road and saw my premiums increase 40% due to "vet costs in the area." I will obviously be using the same vet I was before so this is bad policy, makes no sense, and very bad business. The customer service agent I spoke to was very polite, but it still feels a bit icky.
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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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