Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Lauren Halter

The best and easiest pet insurance company to deal with!

They were responsive, and quick to reimburse me for my claims. The website is extremely user friendly and submitting the claims were so quick and easy!
5

out of 5

POSTED: | BY: Lisette

Great service

I was a bit skeptical about how the claims would work but afternoon doing the first I am now at ease. The process took about a week and as I’ve had questions they’ve gotten back to me super fast.
3

out of 5

POSTED: | BY: Phil Kaufman

Too slow

They are just too slow in processing everything. Faxes from Vets continuously were not found despite the confirmation provided to my vet. When you send they a claim, it's never "received" till at least a day later. When I questioned the fax issue, I was told they have a wonky fax machine and this is a common complaint. So fix it! When I sent in a certification request for an ultrasound, it took many days to get reviewed, these things are typically an urgent matter so should not take days. I needed the claims person to speak to my vet, she called and left a messg for the vet to call her back knowing that you can almost never get to a specific claims person when calling, and my Vet doesn't have the time to keep calling her- but did leave her a return message which was never responded to. Eventually I was able to get an email address for this adjuster - but only that adjuster could complete the claim- any adjuster should be able to step in and deal with it.
5

out of 5

POSTED: | BY: Dave Taylor

Well worth the money spent!

Reasonable rates. Excellent customer service! Easy to understand and use claim process. Processing times are usually pretty quick. I highly recommend their services!!
5

out of 5

POSTED: | BY: Marianne M

I have encouraged my friends to…

I have encouraged my friends to investigate Embrace Insurance for their pets. My dog was bitten and lost an eye. 3 large vet bills and 2 surgerys later I got a fabulous check in the mail that covered 80%. I don't know what I would have done without Embrace. Marianne, Muggsie's Mom
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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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