Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Suzanne A

Quick & Easy Claim Submission

Submitting the claim was easy to do from my tablet. Thank you for making it available rather than having to mail anything in!
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1

out of 5

POSTED: | BY: J H

Claim for dental procedures denied as…

Claim for dental procedures denied as pre-existing. They failed to "discover" the pre-existing until almost a year after we enrolled. The condition was treated and resolved (Per policy, dental treatment is covered once it is treated and resolved. We had it treated and resolved and they still denied it. They do not advise you of exclusions for pre-existing until a claim is submitted. They take the premiums and provide no coverage.
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1

out of 5

POSTED: | BY: Betsey Woods

Surgery for cancerous tumor not covered

And it just keeps getting better. Claim was rereviewed and several items still not covered for cancerous tumor removal. 1.) Anesthesia - NOT COVERED!!! I guess they give the dog a bullet to bite on while doing surgery since you can't give them whiskey like they did for humans back in the 1800s. 2.) Removal of the cancerous growth - NOT COVERED!!! Fatty tumors are not covered (I understand that), but I guess you just keep the cancerous tumors in the dog to spread to others areas and eventually kill the dog???!!! 3.) Pathology report - NOT COVERED. Will not pay for the report to verify all cancer was removed and no further treatments such as radiation or chemo are needed. What are my premiums paying for then?
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5

out of 5

POSTED: | BY: Tracy Milligan

The claim process was seamless

The claim process was seamless — I received pre-certification within minutes. My French Bull dog suffered an acute allergic reaction and had to be rushed to the ER vet. Due to the severity, he needed an overnight stay, but knowing that Embrace covered the cost was incredibly reassuring. He’s doing fine now!
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5

out of 5

POSTED: | BY: MA in Palm Coast

Quick, Easy and Fair

Submitting claims and receiving reimbursements is quick an easy. Evaluations are fair.
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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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