Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Kraut Hammer

In my hour of need

In my hour of need, they were there. My beautiful dog needed an expensive emergency CT scan. I almost passed out when I saw the cost. I submitted the bill to Embrace, and within hours they approved it, no questions asked. I almost cried. I thought for sure there would be issues, questions for the vet, other forms to submit, etc. Instead there was nothing but compassion, and support. I'd give Embrace 10 Stars if I could. 5 ain't enough.
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5

out of 5

POSTED: | BY: Erika Davis

I had to hold for about 25 minutes

I had to hold for about 25 minutes, but Karen helped me very satisfactorily when we did connect. She listened, helped, and was very competent.
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5

out of 5

POSTED: | BY: Donnely E.

The claims process is very simple and…

The claims process is very simple and the representative knew what she was talking about. Her explanation was very clear. My cat was discharged this passed Sunday. Just waiting on the reimbursement decision.
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1

out of 5

POSTED: | BY: Ann Berlstein

I have had Embrace for my dogs for many…

I have had Embrace for my dogs for many years and they used to be great. Not anymore! Really slow to process recent claims; portal barely functions; don’t answer calls re claims ( hint: press # to indicate you want to set up a new police- - they answer quickly!); portal has noted “technical issues” for at least a month; cone on, guys. Get it fixed! 30+ business days to process first claims ( that’s SIX weeks!). Try a different company - - one that processes Claims efficiently, picks up the phone, and is capable of running an online portal.
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5

out of 5

POSTED: | BY: Kenneth Blume

Thanks for embrace pet insurance

Thanks for embrace pet insurance. They're very helpful and friendly and take care of their members and pets
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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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