Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Jess

The response rate is EXTREMELY slow for…

The response rate is EXTREMELY slow for very basic claims. It took months for Embrace to obtain obtain documentation which I obtained with a quick phone call. They payment for my covered claim took months. I would recommend paying more for another service for a better response rate.
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3

out of 5

POSTED: | BY: JLD

They take too long to review claims

They take too long to review claims. I have 2 open claims with cost in the thousands and the claim is still in "review".
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5

out of 5

POSTED: | BY: Susan Wade

Easy to file

I have made some claims and I think they treated me fairly. It is an easy claim process.
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2

out of 5

POSTED: | BY: Ashley Wilson

Pet insurance is a waste of money

It's not so much of what embrace did wrong as much as it is that getting pet insurance is a big waste of money. first of all, you get pet insurance in case of an emergency and you don't have cash at hand, correct? well you have pet insurance you pay all those premiums and everything and still during an emergency they don't cover it they pay you back so you still need cash on hand for any emergency, that doesn't make no sense. Me and my boyfriend aren't worried about getting paid back for paying for vet bills we are just interested in pet insurance just in case there was no money in our animal got hurt so I don't suggest pet insurance to anybody, I just decided to take everything that I would put towards pet insurance every month and put it away in a jar or something cuz then in an emergency I'll have that which would help but pet insurance does not help, so would I recommend pet insurance to anybody I would not I would tell them absolutely waste of money
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1

out of 5

POSTED: | BY: Calli

Every attempt to upload my invoices…

Every attempt to upload my invoices went wrong. The site would not allow any uploads continually messaged to email the invoices. I wonder if they want them under seperate cover for each
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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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