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.
4

out of 5

POSTED: | BY: Don W.

The timeliness of settlements is…

The timeliness of settlements is standard yet the settlements are not explained on the nature of it and why.
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1

out of 5

POSTED: | BY: Shelly

Ridiculous reason about preexisting conditions and refusing reimbursement

This October, I submitted a claim about hoarse voice for my cat. They refused my claim and stated my cat had eye discharge last November according to the medical history so they extended the preexisting condition window of upper respiratory infection. That completely makes no sense! Because last year when we took our cat to the vet and mentioned he has some eye discharge. And the vet explained to us he was newly adopted, and there might be many possible reasons for that such as new environment or new food, no need to treat and the cat was in good condition. However, the claim adjuster made the decision only because of the eye discharge. A lot of diseases can lead to eye discharge. Will they attribute the symptom to all those diseases? Then they replied if we wanted to submit an appeal they need a statement from the vet to provide the evidence that eye discharge was not related to URI. WHAT?!!! They don't have any logic and asked us and vet to spend more time to prove ourselves. BTW, the price increased a lot for a new year
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5

out of 5

POSTED: | BY: Carlos

Company that you can trust 100%

Embrace took care of my concern right away once they found the problem.
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5

out of 5

POSTED: | BY: Projectorist

Absolutely easy to do

Absolutely easy to do. Just follow on screen prompts and I'm done!
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5

out of 5

POSTED: | BY: Shannon Williams

Easy and quick reimbursement

The reimbursement was quick and easy. It only took 4 days to get my refund. I’ve never had pet insurance before, but so glad I have it with our puppy. ER visits aren’t ever fun, especially during the holidays.
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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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