Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: simcikmary

I have had pet insurance with Embrace…

I have had pet insurance with Embrace for 9 months now. They are very helpful and reimburse you with in days of your claim. Very sweet and knowledgeable.
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5

out of 5

POSTED: | BY: Dave Kaplan

They have been very helpful guiding me…

They have been very helpful guiding me through my first claim. Dave Kaplan
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5

out of 5

POSTED: | BY: Meria Kolathu

I am just incredibly grateful to…

I am just incredibly grateful to whomever helped with my very first claim. I did not receive the check in the mail. I am very new to Embrace and just recently updated my direct deposit. I was initially told that the check had to be reissued which would have taken time. THANK YOU to whomever noticed my direct deposit set up and went that route instead. I received an email letting me know and was relieved
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1

out of 5

POSTED: | BY: Clint Lorance

They are a scam

This company is a scam. They have repeatedly delayed and refused to pay the only claim we have ever submitted. Despite my providing all medical records my dog has ever received—multiple times—they continue to send emails claiming additional records are needed. I have had to call them repeatedly, yet the issue remains unresolved and no payment has been made. Based on this experience, I believe this company is engaging in bad-faith claims handling.
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5

out of 5

POSTED: | BY: John Pugh

I never expected such a smooth and easy…

I never expected such a smooth and easy process when I submitted my first claims. The claims were processed and approved the same day I submitted. Never expected a "hassle free" experience. Thank you Embrace.
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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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