Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,784

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.
4

out of 5

POSTED: | BY: Bill

Submitting claim is easy

It is easy to submit claims but questions arise as to what is covered and what is considered preexisting conditions. I am glad I have the insurance but with what I pay in premiums, I wish the coverage for accident/illness would cover more.
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3

out of 5

POSTED: | BY: Maria Vidakis

I switched to Embrace after having Pets…

I switched to Embrace after having Pets Best Insurance and frankly, I regret it. Customer service was much better with Pets Best. I could actually get someone on the phone. With Embrace, it seems that every time I have called the wait is so long that I give up. My first submitted claim took about a month in review. The second claim for $24 for my pet's hyperthyroidism meds was denied in it entirety with no explanation . The EOB just said "not covered" but provided no reason. I looked at my policy and RX meds are to be covered. Overall, I am not very pleased with the company and I regret leaving Pets Best.
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5

out of 5

POSTED: | BY: Kaitlyn Hill

Quick review of vet records and…

Quick review of vet records and turnaround for refund! I don't feel like I have to fight to be helped like with health insurance. We have unfortunately had 2 claims so far one a large surgery and one a small emergency, and have had no complaints with either.
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4

out of 5

POSTED: | BY: Poppi Sebastian

Very easy to submit a claim…

Very easy to submit a claim and very quick response. My only disappointment was that this is the first time in two years that I surpassed my deductible - and my monthly rate went up immediately. Thank you for taking time to explain how rates are determined and what options exist for dealing with the increase.
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5

out of 5

POSTED: | BY: Kristi Brockman

I am very pleased with Embrace pet insurance.

I was explained pre existing conditions that are not covered by any insurance company, and it did take me a few times to have this explained thoroughly to I so I understand this now and it does make sense. I have always been treated kindly by all of the employees and Charmaine who is in the claims department when I have spoken to them on the phone. I do SO appreciate all of the employees kindness, patience, knowledge and help. I highly recommend this pet insurance company and my SO beautiful cat deserves this insurance so she may receive any care needed if there is an accident, or health issues in the future. Thank you Embrace pet insurance! Sincerely, Kristi Brockman.
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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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