Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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: Bonney Benson

Pre-Existing Condition

I am still on the fence about this company. I do have to give them credit, they are very thorough in their investigations. They are quick to deny claims when they are pre-existing, when you are trying to find out what is a re-occurring problem with your pet without going to labor extensive and expensive tests on your furbaby.
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5

out of 5

POSTED: | BY: Daniel Riordan

So very helpful with Getting what you pay for…undoing an error…

So very helpful with undoing an error on “my part”, thank you so much!
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1

out of 5

POSTED: | BY: Schuyler

Had to wait over a year for a reimbursement

Putting in a claim was easy, but it took over a year to receive a reimbursement. Every time I tried to contact someone to receive my reimbursement, they claimed they never received the required documents from my vet, even though I watched as my vet emailed them everything they needed. Any time I tried to call, I would wait on hold for hours and never get through. I wish I had gone with another company.
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5

out of 5

POSTED: | BY: Concha Banusing

Associates are helpful and courteous

Associates are helpful and courteous. They always update me about my claims and process it immediately.
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5

out of 5

POSTED: | BY: Janice

Highly recommend!!

So thankful for this company! Our 3 year old healthy dog incurred almost $16k in emergency vet bills over 3 days during Labor Day weekend We were floored and would have been gutted were it not for Embrace. They paid so quickly after one claim submission and no further questions. Highly recommend!
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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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