Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,852

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: Chris Elliott

Submitting wellness claim was an easy…

Submitting wellness claim was an easy process easy to follow. Embrace has been quick on the turn-around.
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1

out of 5

POSTED: | BY: Susan

Frustrated Can’t get into website after numerous…

Can’t get into website after numerous trys and forever wait to talk to representatives.
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1

out of 5

POSTED: | BY: G Morgan Timmis

Terrible experience

Terrible experience. Very unclear policies. Never had a claim approved. Went out of their way to deny them. Canceled after about 7 or 8 months. Total waste of money!
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1

out of 5

POSTED: | BY: Lydia

Useless Pet Insurance

I recently submitted a claim for a vet bill I received when my pup got sick. Pet owners know how expensive vet bills are. It took Embrace over two (2) weeks to process. I called the customer service line and was on hold for 40+ minutes before speaking with a representative. I was received less than 1% reimbursement for the claim. It didn't even cover the taxes. I am very disappointed in Embrace's coverage. It's unreasonable and unfair. I am shopping for a new pet insurance. I do not recommend. It's useless.
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5

out of 5

POSTED: | BY: Tami Bone

I've been so happy with Embrace Pet…

I've been so happy with Embrace Pet Insurance for my two beloved Maine Coon cats. I would recommend them to anyone who has furry family members.
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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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