Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,925

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.
4

out of 5

POSTED: | BY: A.Blanche

Very fair

Although our claim was initially determined to be not covered (the first claim rejected in 4 years of claims for 2 dogs) bc it was incorrectly thought to be illness of gums , after calling today to clarify and speaking to Jenna,claims supervisor, a new decision was rendered to cover all fees within an hour of the call !! She was extremely understanding and helpful. The only reason I didn't give a 10 rating is because illnesses related to dental and gums are not covered and frankly, the wellness account would not even cover a third of these potentially costly treatments. It should be an option as an add on at least for those who would like such coverage. (Some competitors offer this)
4

out of 5

POSTED: | BY: A.Blanche

Very fair

Although our claim was initially determined to be not covered (the first claim rejected in 4 years of claims for 2 dogs) bc it was incorrectly thought to be illness of gums , after calling today to clarify and speaking to Jenna,claims supervisor, a new decision was rendered to cover all fees within an hour of the call !! She was extremely understanding and helpful. The only reason I didn't give a 10 rating is because illnesses related to dental and gums are not covered and frankly, the wellness account would not even cover a third of these potentially costly treatments. It should be an option as an add on at least for those who would like such coverage. (Some competitors offer this)
5

out of 5

POSTED: | BY: nancy

raven'swellness

the girls i spoke to were all so helpful and polite to me,went out of there way to make sure everything was good to go.
5

out of 5

POSTED: | BY: Gorsuch

Great Service

Needy Puppy
5

out of 5

POSTED: | BY: RivahDog

Easy claims process

I take my claim form into the vet when she sees my dogs--that way she can jot any notes down right then and there. I quickly complete my part and the office staff faxes it directly to Embrace. That way I know the claim is off and my vet doesn't have to re pull the file to fill the form out later. I wish you would add Lagotto Romagnolo to your breed list on this pop up as I have to put her in as something else. Thanks

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 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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