Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,627

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: Jo

Website slow and the list of diagnosis…

Website slow and the list of diagnosis limited. I’ve had nothing but troubles with this company. The first year we had a claim they made us jump through so many hoops I almost gave up. Finally, in the end they paid for part of the claims. We’re on our second year now and our premiums doubled. I’m in the process of looking for another insurance company. On the front end, when they answer the phone, they’re very cordial and friendly, but as you move through their system the phone calls become more abrasive, harder and short. After talking to several veterinarians They said that Embrace was not their first pick as a pet insurance company.thats easy to work with. My suggestion would be to look around a little more at other companies.
2

out of 5

POSTED: | BY: Peggy Rickard

Not Impressed with First Experience!

This is my first time making a claim. First, it kept telling me to add my "receipt of payment" method. I tried FOUR times to enter the routing number and the checking account numbers & received an error message each time. The error message contained an 800#, but it was visible for such a short time that I never caught it. So, I called both of the customer service numbers - ha, too bad, nobody was available to assist. Call back when they're open. This is the time that is convenient for me!! Last evening, my dog ingested raw scallops (fish); I was concerned the fish may be toxic, so I contacted an emergency vet clinic, which directed me to the Animal Poison Control Center. Your "Diagnosis Ladder" had no listing for APCC, so I wrote the info in the box below that area. Then I read where my claim may be delayed because there is no diagnosis. Well, I tried! Geez, the site didn't accept my attempts to enter my checking info, so it'll probably be delayed anyway. So far.....not impressed!
5

out of 5

POSTED: | BY: Customer

Everything was handled quickly and…

Everything was handled quickly and easily!
5

out of 5

POSTED: | BY: Kimberlee Bell Young

The team at Embrace is always helpful

The team at Embrace is always helpful. Claims are processed quickly and hassle-free. Appreciate their attention and help very much!
5

out of 5

POSTED: | BY: chief michael weaver

Professional Organization

The company covers more for a reasonable cost. They call if description is unclear. Everyone we have spoke to is very professional and helpful. A well organized company.

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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