Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Barbara Pauly

This was the first time I submitted a…

This was the first time I submitted a claim. Had a little difficulty on line but when I called the representative was very helpful and pleasant. She walked me through it and the claim was submitted without a problem.
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1

out of 5

POSTED: | BY: Kate Lynn

I moved and they charged more money. Scam

I moved and called the change address. Despite the fact that I use the same vet they made my policy way more expensive just by changing my mailing address. Was scammy and the man on the phone was very unprofessional and rude to me. I canceled.
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2

out of 5

POSTED: | BY: Gregory Cleveland

Not worth the expense

Nearly all claims submitted over 2+ years were denied outright or when paid the reimbursement was a fraction of what we paid to our veterinarian. Even with partial reimbursement when our dog had pneumonia and our cat had skin lesions we never came close to the amounts we paid for premiums. We would have better better off just paying the vet bills with no insurance rather than paying the premiums.
5

out of 5

POSTED: | BY: Anne Shoffner

I have had the insurance for 1 1/2…

I have had the insurance for 1 1/2 years now. I have not had any problems submitting a claim. The website is easy to use, they communicate quickly, and I have not had any problems getting a claim approved.
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5

out of 5

POSTED: | BY: G. Schuchman

Filing a claim is super easy

Filing a claim is super easy. When my claim is for prescription meds, I typically have my reimbursement in my bank account within 48 hours!
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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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