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.
5

out of 5

POSTED: | BY: Morris Mc Kee

Not difficult to file.

Well, I was concerned about the apparent difficulty of submitting a claim. When I actually tried to file a claim, I discovered it was surprisingly easy.
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5

out of 5

POSTED: | BY: Lori Bird

This is my first claim but so far the…

This is my first claim but so far the process is great. I hope this continues.
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4

out of 5

POSTED: | BY: David Knopf

Got paid per contract

Got paid per contract, but the requirement of separate invoices for the 3 charges related to one illness episode meant records apparently were sought separately for each invoice by different staff. The first two which were the diagnostic visit charges came quickly, but the most expensive one for the surgery took 3 weeks. The web site didn't have any apparent way to indicate these were secondary billings after the initial insurance their 80%. I inidcated I had all twhe documents in one of the notes sections, but Embrace sought the originals, which was another delay/
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1

out of 5

POSTED: | BY: Puneet

Crapiest insurance

Crapiest insurance. When it comes to paying the claim, they will make sure they come up with anything and everything to deny it. they will make up any kind of pre-existing. Not worth paying the month after month and paying deductible and then finally when it comes to filing a claim, you have to fight with them. I am stopping after paying them uselessly for a year. Just for example, in this case, feeding a new food to my puppy which caused diarrhea ,has been recognized as a pre-existing condition.
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4

out of 5

POSTED: | BY: Richard Pulkoski

Disappointing Rate Change…

I was very disappointed that my insurance for my 2 cats had escalated so much. I originally was paying $49 for coverage, then it ROSE to $81! I had to rearrange my plan to lower the payments. The woman who helped me was very nice.
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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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