Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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.
2

out of 5

POSTED: | BY: Denise Andrade

Reimbursements recalled due to embraces banking error

The claims process for 5 of my 6 claims when super quickly. The largest (understandably) took 17 days to process. Then once the checks where dispersed, they were recalled via the sender (embrace) and the checks were removed from my bank account. Now I have to wait another 2-3 weeks for the finance department to reissue new checks because the originals cannot be redeposited. I was told this was a banking error on embraces end. I’ve been waiting for my reimbursements for over a month now.
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2

out of 5

POSTED: | BY: PTBÓL

Disappointing

I have sent unanswered emails and stayed on hold for extended periods of time. At least one of you knows of my problem since before the claim. In fact, I could not file the claim online andI cannot get on line to see anything related to my account, let alone my claim. Please contact me. I am frustrated by your lack of attention. Five weeks have now gone by and I am no closer to accessing my account than I was in August.
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1

out of 5

POSTED: | BY: Beverly Hightower

Don’t buy..waste of money and time

Waste of money. It took over 2 months for them to review and close my claims which neither was paid. I was cc’d on several emails where Embrace tried to contact the emergency vet my pet visited. They only sent emails and never tried to call the business directly. I got tired of receiving these daily emails and had to reach out to the vet myself to get the missing information. Embrace is not a proactive insurance company. They also decided to decline my claims due to pre-existing conditions that were indirectly related to the issue my dog was treated for. Do Not Waste Your Money.
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1

out of 5

POSTED: | BY: Gregory Voth

Three of my claims have have just been sitting…

Three of my claims have have just been sitting in the Embrace system and they say "Pending Medical Records" even though these records have been sent by email and also uploaded into my documents online. There was absolutely nothing missing from the documents sent. My dog's prior medical history was even sent by our vet in July and Embrace seem to have lost it. That experience with Embrace was terrible. UPDATE: Fortunately, the claims were finally processed and they seem to process them faster now.
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5

out of 5

POSTED: | BY: Rene Meyers

When I had questions

When I had questions, representative answered all my questions, and I received my reimbursement in a timely fashion with a great explanation of what was paid.
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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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