Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

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: Fred Howard

Unhappy claim handling

To much back and forth to get a simple claim paid in a timely manner. Question after question. Needed proof that I canceled a previous policy from a different carrier. Why should that even matter. I had also recieved a note about pre existing condition. After 4 messages back and getting the proof of the canceled policy it finally went through. I can say that everyone I spoke with was nice and I was not which is not like me but I was ready to cancel and try another company but hopefully things will now go smoother.
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1

out of 5

POSTED: | BY: Consumer

Exorbitant annual price increases

I’ve been a client since 2018 for my 3 dogs. I was very happy in the beginning but they will slowly at first, then later rapidly and exponentially increase your premiums until you are forced out. Mine went up over $400 a month for next year!! They are essentially forcing me out. Would definitely NOT recommend!
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1

out of 5

POSTED: | BY: Natasha Day

Medical documents not read thoroughly

Medical documents were submitted as requested along with an amendment on the notes. I did not recieve the full reimbursement due to a pre existing diagnoses according to adjuster . I had to resend the physician notes for clarification and now waiting for the case to be reviewed. Takes too long to recieve reimbursement.
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5

out of 5

POSTED: | BY: Tara Hinderliter

If only people health insurance worked…

If only people health insurance worked this fast! Submitting a claim was fast and easy. Very impressive! My claim was processed and I was reimbursed within days of the incident.
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5

out of 5

POSTED: | BY: Sarah M

Easiest and fastest experience…

Easiest and fastest experience submitting a claim. I did it in under 5 minutes from my phone and received approval in less than an hour. Absolutely outstanding!
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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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