Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Joy Brown Reagan

The claims experience is very user…

The claims experience is very user friendly. Claims are processed very quickly.
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1

out of 5

POSTED: | BY: Andreina Fernandez

I've been paying for insurance for six…

I've been paying for insurance for six months, which was supposedly comprehensive, and when I first complained, they told me it doesn't even cover vaccinations! Nothing preventive, just accidents! That's not even what I read when I bought the policy! I don't recommend it.
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5

out of 5

POSTED: | BY: Carla Barnes

Embrace is SO FAST to process claims

Embrace is SO FAST to process claims, and reimburse me. I am totally satisfied with this pet insurance company, and it's service!!!
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5

out of 5

POSTED: | BY: Ron Forehand

Jessie provided curteous and…

Jessie provided curteous and professional support in account management and advice.
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3

out of 5

POSTED: | BY: Elizabeth H.

The staff is helpful but ...

The staff is friendly and helpful; however, they require a lot of work on your part to process a claim. I've submitted two claims, and one-third of the first one has been paid. I suppose I had a deductible that I wasn't aware of, so that's on me, the second one was never processed because of information that my vet needed to supply that was not received. You have to be very diligent about getting them the paperwork they need. It would be helpful if the company could be more involved in communicating with the veterinarian practice so their customers just have to put in the claim and leave the rest to them.
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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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