Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,737

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: Matthew Zwan

EMBRACE CARES AND SERVICES ARE WORTH THE MONEY

I have Embrace for my rescued 5 year old French Bulldog for a few months now, and between getting her caught up with immunizations, health checks, illness scare, and an impending military overseas PCS move, the people from Embrace really have made this as less stressful as possible. They made me feel that they actually care for my pet and every process so far has been easy and the customer service was exceptional.
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1

out of 5

POSTED: | BY: Lindsay Wollner

SCAM- claims never approved

Denied a claim for my pup for allergies (specifically paw licking) because he had a prior ear infection once. They’re trying to claim it as a “chronic pre-existing condition”. The two have 0 correlation and didn’t know one single ear infection (treated with abx) is chronic. They’ve never approved any of our claims. Feel like this company is a scam.
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3

out of 5

POSTED: | BY: Raymond

They avoided the issue by saying they couldn't find the account! When I call,Nick finds it immediately

They lump several different conditions in one group to keep from covering the claims. They slow pay simple claims like meds and prescription dog food. And delay paying by requiring additional info from vet already submitted. I researched all insurance company and thought they were the best. I'm reconsidering and might redraw my endorsement to over 500 pet owners in my group.
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5

out of 5

POSTED: | BY: Jan Rosenthal

Easy claim submission

Easy claim submission. Fair review and coverage.
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5

out of 5

POSTED: | BY: Daniel Kraft

Had a great experience so far.

Had a great experience so far.
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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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