Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Zulma

Every call was thoroughly explained and…

Every call was thoroughly explained and the person was always courteous. I purposely waited until now to provide a review, AFTER I got my claim approved. Initially, the claim discussion revolved around a denial which led to down the why path since we had never used your services. This was a spleen removal surgery for my chocolate lab and one of your reps stated that due to pre-existing conditions it would be denied. Our question to you was “exactly what pre-existing conditions since this was the first and only spleen issue he had?” You mentioned it was due to a skin mass. Skin mass and spleen are not related. In the meantime I did look up your BBB score and you have an A so that was hopeful. Thank you for the services.
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5

out of 5

POSTED: | BY: Bo

Extremely easy to submit claims

Extremely easy to submit claims. Phone help was excellant. Great company.
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5

out of 5

POSTED: | BY: J J Smith Sr.

Have had Embrace for several years and…

Have had Embrace for several years and never had a problem. Best insurance you would ever need.
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3

out of 5

POSTED: | BY: Erik Hoffer

they ask for a reason for the claim but…hard to address claim issues

they ask for a reason for the claim but only give you some choices, none of which resemble the reason for the claim. They simply don't let you say what happened. This is done so they can say that a condition exists which it was just an injury.
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5

out of 5

POSTED: | BY: George Cox

I have a 17 year old cat that needs…

I have a 17 year old cat that needs continuous care. Embrace covers her saving me$$$.
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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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