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.
1

out of 5

POSTED: | BY: Barbara Pagan

I've filed numerous claims and all have…

I've filed numerous claims and all have been denied. Most recently I was sent an email stating all of the pre-existing conditions. One of which was vomiting and tartar build up. Literally there's an excuse for everything. I was then provided the terms and conditions again. I would have been better off saving the monthly $70 to put towards my pup's needs.
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5

out of 5

POSTED: | BY: Shirley Zhang

Easy claims process

The process to submit a claim and receive reimbursement was very simple and straightfoward now that everything is electronic and can be done online. It is no longer needed to bring phsyical forms to the Vet office for claims. I submitted a claim for my cat's ER visit and had my claim processed and the reimbursement sent back to be in a week's time.
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5

out of 5

POSTED: | BY: Sam Chevalier

Nothing but a Great Experience

Great Customer... Ease of Submitting claims... Fast claims processing
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4

out of 5

POSTED: | BY: PENELOPE SCORDAS

I thought Embrace Insurance was good. very…

I thought Embrace Insurance was very good. I would have stayed with them but the raised the price two years in a row. I couldn’t afford the 2nd increase. I had to go elsewhere but I liked their insurance!
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5

out of 5

POSTED: | BY: Cheryl Schlosser

Awesome pet insurance

Awesome pet insurance! They always pay claims quickly, very convenient,can go to any doctor, and submitting claims is very easy with no forms
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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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