Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,286

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.
3

out of 5

POSTED: | BY: Kim Bradshaw

Took a very long time to process this claim

While I was kept informed of the process, it took over a month to process this claim. There was only one charge and the amount was just applied to my deductible, so I'm not sure what the hold-up was with it.
3

out of 5

POSTED: | BY: Robert Axelrod

Claim

Molly became sick had to go in for multiple tests cost total of $759.00 This claim took 5 plus weeks to be processed and resulted in $110.00 back to me. Ratings 1 on processing claim ( 5 plus weeks) but 9 on customer service.
5

out of 5

POSTED: | BY: Carolyn

Insurance proved valuable

My dog Lola began having gastrointestinal issues as a puppy, involving several trips to the vet. The very first trip met my deductible and subsequent trips have been covered by the insurance. It took several different visits before they decided she had an intolerance to her food. Thankfully, she is doing well on a sensitive stomach food now and has regained her weight loss. I never expected to have to use Embrace this soon as her first few months as a puppy were illness-free. I am very thankful to have the financial security of Embrace insurance because even minor problems can become expensive with numerous trips to the vet.
5

out of 5

POSTED: | BY: Carlee

Great insurance!

I have used pet insurance in the past (for my horses)that has saved me many times but had never had insurance on my dogs. I have had my two doxies insured with Embrace for about 4 years now and have recently had to submit a claim for one of my dogs that had a slipped disk in his neck due to an accident. I had to take him to a specialty teaching vet hospital that had a neurology dept. I had the plan with a $500 deductible and then they pay 90% with a maximum coverage of $10,000. The total bill was almost $5000 and the only thing that they didn't pay was the prescription meds because I didn't have that extra coverage under my plan. The claim did take over a month to process, but they kept me informed through email apologizing for the delay and assured me that they were working on my claim. The reason that I chose Embrace was because I had researched the many companies and Embrace had the best reviews and the least problems covering claims.
4

out of 5

POSTED: | BY: Jon

Great customizable coverage!

Great communication from support staff, always felt like I was in the loop. Great customization options in the plan I put together. Wished there was a quicker turnaround time for claim reimbursement.

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 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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