Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Steve M

Waiting to see how the claims proceed…

Waiting to see how the claims proceed plays out. They have continued to assert “additional items requested from vet have not been received” despite me emailing all medical documents and uploading them to website multiple( at least 4) times. Claim status still reading pending. Claims are for 6/25 and 6/28 events. So coming close to 60 days old.
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5

out of 5

POSTED: | BY: Bill Ruggles

Easy to file claims

Our dog has had medical issues recently that required visits to the emergency vet clinic. Then we went to a specialist surgeon for surgery to alleviate a breathing problem. In every case, it was very easy to submit a claim, which was paid very quickly. I only wish my own health insurance was this good!! Thank you, Embrace, for your great service!
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1

out of 5

POSTED: | BY: RONNIE LIPSON

They don't pay

They don't pay, blame it on fake information. My dog has been on the plan for about a year he got pink eye and they refuse saying he was treated for this before so it's a pre existing condition. He was never treated for this, this is the first time he's had it. When you call they play games like transfer the call or say the adjuster would call in 24 hours it's been 4 days and no call. I use a different company for another dog that I will go back to this is not worth the money.
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5

out of 5

POSTED: | BY: Joanne Latko

I could not have chosen a better pet…

I could not have chosen a better pet insurance. I wound up having two cats with medical issues. I have no problems submitting appropriate claims for them and having them approved in a timely manner. I happily recommend this pet insurance company
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1

out of 5

POSTED: | BY: Peter Alexander

Haven’t been happy with them over my…

Haven’t been happy with them over my last encounter over my dogs wound (skin condition) the vet didn't do anything but charge me for meds that were not necessary and we’re never administered by myself or anybody at the practice. I do have an appeal with the company to get full coverage over this claim.
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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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