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.
2

out of 5

POSTED: | BY: Chena Suggs

Robot decides payment & Very Expensive

Too expensive & I recommend you triple check your invoices because a robot reviews them & decides on payment. I just had to argue an invoice that went towards wellness & found out the robot Apollo mis-diagnosed my invoice. Now I'm going to go back & triple check everything which I don't have time to do.
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5

out of 5

POSTED: | BY: Wendy

So glad we did this!

So glad we did this! Everything about this process was easy-peasy. Our cat had to have surgery after swallowing massive amounts of yarn. We were so pleased with our experience and how it was all handled. Will definitely be keeping all four of pets with Embrace.
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5

out of 5

POSTED: | BY: Marjorie

Second year with this company and I am…

Second year with this company and I am still very satisfied. It’s easy to put in a claim and the app helps to keep you updated. 👍🏻
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1

out of 5

POSTED: | BY: R Hoyt

Seems that when you need them the most…

Seems that when you need them the most they find a reason to exclude a need for your animal. After a year of paying them over $2000 and not submitting a single claim. Also getting ready to renew for another year at $2500, they deny a service. So, they got cancelled.
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5

out of 5

POSTED: | BY: Ken S. AKA Las Vegas Lounger

So easy to work with Embrace

So easy to work with Embrace, the claims process is so easy, and they are very diligent about their care of their patients (our pets).
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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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