Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Customer Karen

The ease of submitting a claim

The ease of submitting a claim. They remit payments in a timely manner. Customer Service is excellent.
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2

out of 5

POSTED: | BY: Dolores

Precertified and yet claim refused!

After getting a precertification approved from Embrace for a tooth extraction for my dog (he broke a tooth, and it was dangerous to leave the broken tooth, so it had to be removed), Embrace has not reimbursed the proper amount. This is after sending the recertification, getting it approved, and calling them three times to confirm it is covered! It's clear they don't want to honor what they approved. Shame of you, Embrace, for screwing pet owners while still charging us a fat amount every month.
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5

out of 5

POSTED: | BY: Randy

Insurance...never know until you need them

I've had Embrace Pet Insurance for years and I've never made a claim until recently. It's a known fact that you really can't say how good an insurance company is until you actually need them and you have to make a claim. I had months worth of arthritis shots to claim for my Golden who is now 9-years old and needs injections monthly. I submitted 7 of them and the whole process was fast and easy. Within days I had checks in the mail and I can say that Embrace is a great insurance company.
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5

out of 5

POSTED: | BY: VRoyal

Professional and Timely

Listen! I am a first time pet provider along with my two kids! I was unsure about purchasing but why not we have insurance for ourselves! When we had to recently file a claim the person who was assigned our case was nothing but PROFESSIONALa and took care of us every step of the way! So grateful!
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4

out of 5

POSTED: | BY: JAN W

Claims are easy to submit but take a while

I find the system Embrace uses for claims is very simple. The website is wonderful and intuitive as well. The one issue would be the length of time needed by Embrace to perfect and pay a claim and hence why I gave a 4-star rating. It took over 30 days which seems like an extended time. Other than that, all very good!
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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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