Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,140

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.
5

out of 5

POSTED: | BY: Paula

Great customer service

The customer service personnel which answered questions at the onset of purchasing this insurance was very knowledgeable and helpful. Since we've had the policy, they process is smooth and fast for reimbursement. This has been a great experience with a Pet insurance, especially when compared to others we've used in the past.
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2

out of 5

POSTED: | BY: Amy

Claims not initially being covered!

The last couple claims I have had to fight for denied line items because they were clearly covered (which they ended up being) instead of Embrace following up with needing information and then I have to follow up MULTIPLE times before things are resolved. I have been a customer since 2018, referred MULTIPLE people and have not had these issues until recently. Very disappointing.
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5

out of 5

POSTED: | BY: Betsy O'Hara Gross

So easy to submit claims

So easy to submit claims, quick responses!!! Love!!
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3

out of 5

POSTED: | BY: Radu

Fairly easy to use but time consuming

I liked how easy and straight forward the claim submission process is, however: selecting a provider is the slowest I've seen, and trying to type is a provider name is VERY difficult. Also, asking people to pick just one diagnosis is very difficult, especially when you take your pet in for limping (as an example), but the pet also received her vaccines. Lastly, please remember the provider and the pet and use them as defaults, and allow us to change them if anything changed. Also, providing this feedback shouyld be greatly streamlined.
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1

out of 5

POSTED: | BY: Tom Harkins

I have had claims "on hold" for months

I have had claims "on hold" for months. I have submitted the requested information several times. you are asking for a 12-month medical history on dogs i got at 10 weeks old. the last time i was told i would receive an e-mail within 48 hours. that was several weeks ago. i notice there is never a delay in your taking the monthly premiums. what am i paying for if you won't process my claims or contact me. now i have to deal with this while recovering from surgery.
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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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