Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Amy Lamb

Cancelled after a few months when my…

Cancelled after a few months when my very first claim was denied because my otherwise healthy dog hadn’t needed to go to vet in a specific time period before the claim so they thought this could be pre-existing. It was a dog bite. Seriously. Can’t make this stuff up. Edited to add after seeing reaponse: I was told that none of the claim was covered. I knew the ear infection wouldn’t be.
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5

out of 5

POSTED: | BY: Mayra Dominguez

Easy peasy

This was so easy, especially for a technical challenge person!
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4

out of 5

POSTED: | BY: KS

Claims processing time

The length of time it takes to process a claim is excessive in my experience.
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5

out of 5

POSTED: | BY: Jody Brady

Embrace insurance very professional …

Embrace insurance very professional help you have i will recommend to anyone listen 🎶
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5

out of 5

POSTED: | BY: Rita Larkin

Claim

The claim was received and reviewed in a timely manner. I was notified that a check would be sent and then if I wanted to set up direct deposit I could to receive my refund quicker. Never a long wait to speak to someone in customer service. Always very friendly and helpful.
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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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