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: Danielle

Wellness coverage

I submitted a wellness claim through the app and it was extremely easy. There was no paperwork involved, I simply scanned a pic into the app to submit the receipt from the vet. My claim was processed very quickly, and I was updated every step of the way.
1

out of 5

POSTED: | BY: Gail

Difficult to work with! I have heard through asking around our pet neighborhood that Embrace should not be used. my vet said you

Difficult to submit claims. Does not want to pay. Asks the vet question after question. General Exam mouth and teeth normal. Needs Dental checked number 2...means normal for a dog 2 years old. The vet looks at whiteness, , tartar, and gums. My vet said this normal for a dog and not pre-existing. Do not get pet insurance from Embrace, you will be angry for all the time spent trying to get reimbursed and they do not know how to read claims. I am a QA person for healthcare and believe me they are getting fired!
1

out of 5

POSTED: | BY: Brooke

Doesn’t Help

We got Embrace to help with my dog’s anxiety that he’s been dealing with his whole life. Before we went to a vet, we tried many trainers to help with this, and once we decided to go to a Behavioral Vet we decided to Embrace since it states they cover behavioral vet visits. Well, this isn’t true. They consider anxiety a preexisting condition and won’t cover his vet since he has anxiety. So they basically don’t want to help dogs get better. We submitted the claim on April 26 and did not get an answer back until July 19. I think it’s ridiculous to take almost 3 months to process a claim.
5

out of 5

POSTED: | BY: Hillarey

FANTASTIC COMPANY AND I LOOKED INTO ALL COMPANIES. MY VET RECOMMENDED THEM

I have been with this company for 8 years. The customer service is great. They go the mile.
5

out of 5

POSTED: | BY: Daniel

Excellent service

Excellent service. Payment was fast and the communication about my claim was excellent..
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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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