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.
5

out of 5

POSTED: | BY: Cheryl Zygmunt

Critical Illness with Speedy Insurance Reimbursement

I recently had a very sick dog that required hospitalization and a very huge bill. Embrace handled all claims in an expedient manner and sent my money sooner than you would expect. Great insurance company. One you can rely on. They live up to their promises and do everything they say they will.
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5

out of 5

POSTED: | BY: Julie

Embrace is responsive

Embrace was quick to review my claims and reimburse me.
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1

out of 5

POSTED: | BY: Matthew Gardner

Steer clear of this company at all costs!

I recently submitted a claim for my dog, Koru. He was diagnosed with cancer and X-rays showed a huge mass on his heart and lungs. I have full coverage that includes cancer and treatment, but Embrace denied my $5000.00 claim because Koru had a cough seven months ago which was diagnosed and treated for. When I showed the vet the explanation of why my claim was denied, she said there’s no way my dog could’ve survived with this growth on his heart and lungs for the last seven months and it had nothing to do with his cough which was treated! I’m unable to afford treatment for my dog and as such have had to put him down. Thanks for killing my dog Embrace not Pet Insurance!!
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1

out of 5

POSTED: | BY: Ryan

They refused to pay a claim even though…

They refused to pay a claim even though I provided a physical for my dog saying he didn’t have a pre existing condition. Yes I missed the fine print saying the physical had to be done within a certain time. I am unable to provide those documents but did provide documents from before the incident. No way he should not have been covered.
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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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