Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,530

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: Judith kapandais

Slow claims

It has taken 2 days short of 2 months for our claim tobe acted on. I am not happy with the slowness in which claims are handled. One of the reasons we chose Embrace was that they advertised timely claim review. This has not been thecase
5

out of 5

POSTED: | BY: L Alberda

Excellent service re: claim for my service dog

I recently found out that my service dog has a heart problem and sent in a claim for the visit with the cardiologist. I received my explaination of benefits quickly despite the 4th of July holiday and understand that my check was sent the same day. I've had Embrace insurance since 2008 and had some difficulties with earlier claims (new company with expanding claims department) but this one went just as it should have and when the cardiologist recommended some additional testing, I was pleased to be able to tell them to go ahead, knowing that I had insurance to help cover those costs!
2

out of 5

POSTED: | BY: J

Useless

Virtually nothing is covered anymore. They keep insisting that my dog has a Pre-existing condition although he sent them a letter disputing this- 2 years ago. Probably going to search for another company. Claims now take forever to process. This was a great company 3 years ago.
5

out of 5

POSTED: | BY: Sara Ritchie

Quick turnaround!

Thanks for getting my dog's wellness claim processed quickly and efficiently! It was great and you folks have been great to work with!
5

out of 5

POSTED: | BY: Robin

Great, timely customer service

Embrace account representatives were very prompt in responding to questions I had regarding my claim. They walked me through my first submission, which was a combination wellness and "sick" visit. The response time of follow up emails was incredibly quick. Directions given and answers provided were very clear. I got an email saying they were sorry about the slow processing time of my refund, and the next day it was in my mailbox!If only the healthcare system for humans could be so efficient, we would all be in much better hands!
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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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