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.
2

out of 5

POSTED: | BY: E Vinyard

Is Rejection of initial claim submission normal?

It seems the "Playbook" instructs claim processors to reject for any reason. i.e., I sent only the part of an invoice that was for my dog. They didn't need the cat's records. Then I sent the entire document. A week later, my dog is still suffering from UTI and I submitted the ENTIRE invoice for the recheck and urinalysis. I got an email asking for the complete invoice so I sent it again. I get online and the status is pending more information so I submitted it again.
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5

out of 5

POSTED: | BY: Evichip

Review: My Embrace Pet Ins

I'm grateful that we have not had to use this insurance often, but it brings peace of mind knowing that if something serious were to happen to our dogs, we would not be faced with overwhelming costs. On the rare occasion that I do submit a claim(s), the reimbursement process was quick and easy and very user friendly. Thank you for making it simple.
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4

out of 5

POSTED: | BY: Renée Good

This is my first claim and I found the…

This is my first claim and I found the process confusing but finally managed to submit the claim. I can give a more insightful review when I see how the claim handling process goes.
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2

out of 5

POSTED: | BY: Vale M

First of all I have 2 claims on hold…

First of all I have 2 claims on hold for a month even though my vet said they sent medical Hx for over a week now. Secondly they were trying to contact a vet I don't use for over 3 years. When they claim team said they need medical Hx for the past year . I have sent many emails and no answer. Costumer services is getting worse and worse. Considering moving to another insurance because there is no communication at all.
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5

out of 5

POSTED: | BY: Leigh Fleming

Can't have a dog nowdays without pet insurance

Thank goodness we have not needed to use this insurance much at all. It gives me peace of mind knowing that if our dog who we love very much has something terribly wrong with her that it wouldn't break the bank. One of the few occasions where I have submitted a claim, we have received reimbursement fast
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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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