Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,397

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: Jim Concannon

No problem on claim.

Three weeks ago we had our Boston terier nuetered. We have the wellness protection and there was no problem at all in getting the reimbursement. Smooth so long as you file the right paperwork.
3

out of 5

POSTED: | BY: JKapandais

Review

We would like to see claims reviewed faster
5

out of 5

POSTED: | BY: Jennifer

at least they are honest!

I think people forget that they are an Insurance company- Just like any other insurance company they will weasle out of what they can! Anyway I just purchased insurance from them I had to comment because many people seem to not have read their policy fully or found out what would be covered BEFORE they went ahead and had things done at their vet, just expecting to be reimbursed. I really like how when I e-mailed them and asked them questions about my dog they were up front and honest about what would and would not be covered. They also suggested doing a medical history review where they review the dogs history and let you know up front what they will and will not cover. I think it's pretty darn good they are willing to do this and the woman told me up front if I did not like what they had to say in the medical history review, I could cancel my insurance policy and they would reimburse me for my premiums as long as I didn't make any claims. Inform yourself before you make any claims with them so you don't end up having surprised. You can't get mad about what was in black and white the entire time!
5

out of 5

POSTED: | BY: Judy Grayson

Wonderful Pet Insurance

Pet Embrace is just an amazing Insurance Company! My Standard Poodle has recently under-gone CCL (TPLO) Surgery and now has complications with her body rejecting the plate and screws. The medical bills would be overwhelming if she were not insured with Pet Embrace. They are fast, efficient and have paid more than I would have imagined!
3

out of 5

POSTED: | BY: Melony Auer

Very Slow Claims Department

Took over a month to recieve claim benefit. Not the first time but seems every claim I have put in this year took over a month to recieve benefit. Not good in that department.....
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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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