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.
3

out of 5

POSTED: | BY: Irma C.

I just submitted my first claim

I just submitted my first claim. It was very easy but i have not received an approval yet let's see how it goes.
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1

out of 5

POSTED: | BY: JD

Embrace insurance is very deceiving on…

Embrace insurance is very deceiving on how they do their claims. They nit pick all the fees picking only the low fees like a cone for an emergency visit but not the actually emergency exam and medicine. I feel this is a rip off for all customers. Also the claims adjusters are not good trying to have customer do their job and me having to spoon feed them on how to communicate and read their own email. Do not recommend this company for anyone.
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5

out of 5

POSTED: | BY: customer

Embrace is great

Embrace is great. The communication, ease of claim submission and turnaround time. The customer service is on point and exceeds expectations. I would recommend and do it all over again.
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2

out of 5

POSTED: | BY: Louis Bradley

For some reason my email is now not…

For some reason my email is now not associated with an account after I paid 469$ for an annual membership. Now have to go through the hassle of figuring out how to fix it so i can even put in a claim.
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1

out of 5

POSTED: | BY: John

I canceld my policy because of this.

I guess this leading statement in the comments box, "What went wrong this time?", explains their work. My dog is experiencing something to cause him to vomit and I've had numerous tests done on him to see what might be the cause. Because a vet visit 11 & 1/2 months ago mentioned vomiting, Embrace stated this is a preexisting condition. Vomiting? Really? Who has a dog who didn't. My case is extreme this time, but Embrace refused to reimburse me a dime on anything. They said he would be covered for vomiting in the future if he has no further case of it for 12 months. I guess I missed the window of opportunity by half a month.
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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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