Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,991

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.
3

out of 5

POSTED: | BY: Healing Arts Animal Care

As a vet myself

As a vet myself, I chose Embrace due to quick returns for my clients. This was 7 years ago. I am sad to say that every claim is now picked apart and it takes over a month to get reimbursement. Recently our two pups each had claims and have been held up due to "lack of history." If they would look at the pet's age, they would know they have everything from the start. Annoying. Appreciate dental coverage. Don't appreciate not paying for OTC products that are recommended by the vet. Sends the clients out of the vet clinic and straight to Chewy. Not a great way to support your vets.
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5

out of 5

POSTED: | BY: Diane Breedlove

Best pet insurance

Best pet insurance. They are so responsive and helpful. Paid every claim I sent in. My dog passed away sadly... they were so sweet and kind.
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5

out of 5

POSTED: | BY: Benito

I love the company very nice people…

I love the company very nice people when I put a claim. i got my refund very fast
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5

out of 5

POSTED: | BY: Carolyn Berg

When I send in my claims

When I send in my claims, Embrace Pet Insurance are always quick to respond with repaying me for the money I spent on my dog. They also contacted my Vet by email to request information they needed. I received an email letting me know about this and I did need to do anything. This was great for me, because it saved me time not having to take care of it myself. Embrace Pet Insurance is the best.
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1

out of 5

POSTED: | BY: Joseph Bruner

Claim denied on vague terms

Embrace had to stretch very far to avoid paying my claim. The very broad and very vague definition of dermatological conditions was used to prevent paying for cyst removal surgery on my dog. A rash voided a claim for surgery. I ended up paying over $700, and they were not there when I needed them most. I canceled.
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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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