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.
4

out of 5

POSTED: | BY: Heather B

*Updated* Lengthy wait time only to find my claim…

***updating my review because after many problems, they did resolve things and reimburse my claim. The next claim I submitted was taken care of very quickly. Still taking off a star for past issues**. Lengthy wait time only to find my claim is on hold due to records missing. They did not contact the primary vet on file. After records provided twice I received no confirmation. Told it would take ANOTHER 30 days when I called. Eventually received an email that records were missing and they couldn’t move forward with my claim because I could not get my newly adopted dog an appt anywhere within the first 14 days I had him?? Vets everywhere are extremely busy. He had a thorough exam at the first available appt within a few weeks of adoption. This claim is for an emergency situation and not a preexisting condition. Seems like they just want to avoid paying while I try to recover from this financially. Not impressed. People get insurance so they can have timely reimbursement for unexpected medical expenses, not so they can pay a fortune in premiums and wait indefinitely for a reimbursement that may or may not ever come. Do better Embrace.
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5

out of 5

POSTED: | BY: Constance Rauschert

Fast and friendly

Easy filing of claim and Quick settlement. Also friendly customer service, always there to assist when needed.
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5

out of 5

POSTED: | BY: Bill James

Very easy to submit claim this time…

Very easy to submit claim this time because it was the second time we have done so. Hope payment works as well.
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5

out of 5

POSTED: | BY: Judd Denson

People were easy to deal with and…

People were easy to deal with and handled my problems with the utmost professionalism...........
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5

out of 5

POSTED: | BY: Benito

She was very nice and resolved my…

She was very nice and resolved my problem
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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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