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: John from Reading, PA

Add me to the growing list of customers…

Add me to the growing list of customers who are unhappy with the major rate increase and VERY low or no approved payments when you submit a claim. I have canceled my coverage as a result.
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5

out of 5

POSTED: | BY: Thomas Macpherson

Compassionate Care and Full Coverage

We recently lost all three of our pets (2 cats and a Newfoundland dog) over the stretch of 6 months. Embrace was incredibly supportive covering nearly all our expenses and being most compassionate during this very difficult time. We highly recommend them.
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4

out of 5

POSTED: | BY: DiAnna

Overall pleased

Embrace pays claims in an orderly manner ONCE they understand the information given them. They repeatedly asked for a diagnosis from my vet and me when the information was already given. Their Customer Service was very professional, polite and helpful once I got through. Overall, they are good but need to work on their review of the claims submitted.
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3

out of 5

POSTED: | BY: Patricia Mahanti

Going thru an appeal on a claim

Going thru an appeal on a claim. Was shocked to also learn that because I called my vet months ago- embrace retriggered a pre-existing condition. For another year.. even thought we’ve had NO issues for 15 months.
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5

out of 5

POSTED: | BY: Robert Schlitzer

Website is very easy to use and quick to address claims

Website is easy to use and it's quick to address a claim with upload a simple matter from a PDF scan.
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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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