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: Pam Bakel

Had an issue with pre-existing…

Had an issue with pre-existing conditions and Embrace responded timely and looked into fully. Price increase for second year was not too bad. Had hoped for not much of an increase given no needs in 2022 and the dog is young but there was an increase.
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1

out of 5

POSTED: | BY: L Reeves

A very simple claim was denied for my…

A very simple claim was denied for my dog, and I had to jump through hoops to appeal the ridiculous decision. My vet wrote the requested appeal letter, but it took him unnecessary time to correct an obviously bad call on behalf of Embrace. Ultimately Embrace acknowledged the claim was valid, but the whole situation seemed designed to keep money in their pockets so they didn’t have to pay. I am plan to cancel this policy, it is more trouble than it is worth.
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5

out of 5

POSTED: | BY: Monica Bahr

Great coverage

Great coverage, great customer service, and very easy to submit a claim.
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5

out of 5

POSTED: | BY: Mary Ann Callahan

Easy easy easy to use app and process.

Easy easy easy to use app and process.
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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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