Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,854

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: Harold Varner

Caring and Communication

The loss of my dog was difficult. Embrace let me know they care and expressed condolences. They also communicated with me frequently on the status of the claim and any issues they were having with veterinarians. A phone call to customer service resulted in quick settlement of any issues. Very happy with the service, professionalism and caring from Embrace!
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5

out of 5

POSTED: | BY: Tracey J

Easy claims processes

Embrace processed my claims very quickly and it was an easy process. I just wish I knew the timing requirement as I went to put them all in at the end of the year when the deductible had been met and missed out on 10 months of vet bills- around $1200. My advice- submit them the day of the appointment. They will accumulate them for you and start reimbursing once the deductible has been met.
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5

out of 5

POSTED: | BY: Coastie

Claim Filling

I have not even started writing the review and I already received an email stating they received my two claims! Something that I really enjoy is the ease of submitting a claim. The only thing I don't care for completing is stating the purpose of the claim even that is a drop down menu. It only have certain medical terms versus all the terms so when you copy and paste whatever the doctor's office wrote it shows something closely related to what the doctor wrote. I had to pick wellness because it mentioned spade and one claim was the pre ops checks and then the Ovariohysterectomy (spade I guess). :-) Besides this, it is pretty simple!
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4

out of 5

POSTED: | BY: Margaret Willis

Their customer service is superb

Their customer service is superb. The only negative thing I can say about the company is that as the pet gets older the premiums become prohibitively high. But they always reimburse on a timely basis and their customer service is great, the best around.
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1

out of 5

POSTED: | BY: Phil Moore

GREAT BENEFIT… After years of paying premiums this…

After years of paying premiums this company ran me through the ringer to get reimbursed for an emergency room visit that ended in euthanasing our pet. I’ve had 2 claims both were eventually approved but not for over a mont until I did all the leg work collecting vet paperwork. GREAT BENEFIT has nothing on them
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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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