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: James Barna

Awesome company

Have been very pleased with all aspects of Embrace insurance . The claim process is incredibly quick , easy and user friendly. The communication and commitment to detail and follow up is remarkable. Claims are processed fairly and quickly. As a physician I deal with health insurance companies multiple times a day and I am used to denials, excessive paperwork and constant roadblocks. It is quite a pleasant surprise to have come across such a polar opposite company
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1

out of 5

POSTED: | BY: Chris Stafford

Find Another Pet Insurance

This company truly tries to get out of every claim filed. They do not support our animals. Update: To respond to the companies response. I did reach out for help. I spoke to your customer service and claim manager (Mrs. Wood). Not sure why you are acting like I did not have an account, but this is just another example of another company with shady business practices. I see you claim to cover 92% claims to make the onlookers question my review, but statements don’t make things true. Experiences make it true and if anyone is looking at this post, I had the worst experience with this company. Down right dirty.
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5

out of 5

POSTED: | BY: Daniel Taylor

Simple and Easy

Sending Embrace the invoice from our wellness check was simple and easy. We submitted one day and in two days our reimbursement was in our account. Great service!
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5

out of 5

POSTED: | BY: Clare Sullivan

Super Easy Claims Process

Super Easy Claims Process. The website was clear with instructions and I received a quick approval for my Finley's emergency medical treatment.
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5

out of 5

POSTED: | BY: Carol

I forgot who I talked to but he was…

I forgot who I talked to but he was very helpful. He had a nice attitude and honest character!
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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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