Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,000

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: Nicole

I had to call with a question on a…

I had to call with a question on a Saturday morning and I got through right away, my questions were answered and everything was friendly and very professional! I'm pleased. Knock on wood, I haven't had to use them for any claims, so I can't speak to that, but what they offer is very comprehensive and thorough. It's better coverage than most of us humans can get!
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3

out of 5

POSTED: | BY: John Gnip

Submitting a claim is now more…

Submitting a claim is now more difficult. To avoid a delay, the website wants a diagnosis to be provided, but there is no list to select from. Please fix the website.
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3

out of 5

POSTED: | BY: Mark

No list of Diagnosis made available

I tried several times to type in a Vet diagnosis for my claim and nothing came up. The not stated to click on a file to view diagnosis's, however there was no file to view. I entered my info into the additional comments section, because I could not enter a Vet diagnosis a pop up message came up stating my claim will be delayed due to no vet diagnosis. Doesn't make sense.
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1

out of 5

POSTED: | BY: Terry Lein

I have had pet insurance in the past…

I have had pet insurance in the past and this is the worst. I have all three dogs insured. When I put in a claim for one they informed me that his skin condition was pre-existing and that any claim with skin items would not be covered. I am looking into new insurance and will be canceling as they want the premium but do not want to pay the bills
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5

out of 5

POSTED: | BY: SeeSee

Kundo to Embrace

Kundo to Embrace, had the insurance for the past 9 years and never had an issue with the claims I submitted, and customer service is outstanding and very polite and a pleasure to deal with. Thank You. EFM
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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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