Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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.
1

out of 5

POSTED: | BY: Ashlee Callihan

Ridiculous, go with someone else

My dog was 8weeks old when I opened this policy. His first vet visits were required to open this policy. Now, that I've filed claims I'm being told his claims are on hold for vet info for his health history 12 mos prior to opening the policy. He wasn't alive 12 mos before I opened the policy which is easily seen by the birthdate on the policy. So I call and they say there's nothing to do, just wait on the review process. After that I get an email saying the claims are on hold because they are still waiting on vet info from before he was alive. Beyond frustrated, customer service was just as confusing as these emails that I keep getting. About to cancel this policy. Customer service tells me to wait and emails come that say otherwise.
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5

out of 5

POSTED: | BY: Ray Worcester

First use for a claim

First use for a claim. The process was easy to set up.
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5

out of 5

POSTED: | BY: Thomas Coe

Submitting claim was easy

Submitting claim was easy, I just hope I did it right!!!! I'm not real savvy on these computers!!!
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5

out of 5

POSTED: | BY: Sharon Nanna

Jody was wonderful

Jody was wonderful. Super friendly and walked me through every part of the process in just enough detail!
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5

out of 5

POSTED: | BY: Katherine Cunningham

I wish submitting a claim for my…

I wish submitting a claim for my personal insurance was as easy as this. Truly, an easy-breezy step by step that took less than 2 minutes. Fantastic.
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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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