Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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.
1

out of 5

POSTED: | BY: Ann Oldenburg

My dog had shots that were due then she Needed her teeth cleaned 4/24

My dog had shots that were due then she had to have her teeth cleaned and they put all of this underneath the wellness care I spent $1200 and I only got back from them $350. I’m definitely going to find another pet insurance company I do not feel that teeth. Cleaning should go under wellness.
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3

out of 5

POSTED: | BY: Kay Mainor Williams

Very slow in processing the first…

Very slow in processing the first claim. Still waiting to reimbursed from a July 2024 claim.
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4

out of 5

POSTED: | BY: Meghan Knichel

Simple but inefficient

The process is easy, but it could be more efficient if I could select the pet and diagnosis and then submit several invoices. Or at least have the option to keep the same pet & diagnosis when submitting several invoices separately.
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1

out of 5

POSTED: | BY: JenJay

Prices are too high, slow to process

Very slow in processing claims, find any loophole or excuse possible not to cover claims, call anything they possibly can a pre-existing condition, do not cover half of the things they should, increase prices every year SIGNIFICANTLY, pet portal is frustrating to use - should be able to view all info regarding a claim (amount, where, date, which dog, claim details etc). Do NOT recommend them for accident or illness for the above reasons. Rates in general are way too high. Adding fees for things that should be covered - like dental, prescription etc. Should always cover expenses for euthanasia, cremations etc even if wellness funds are depleted. They need to lower prices, stop claiming things are pre-existing, process claims faster, and overall provide better CS.
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5

out of 5

POSTED: | BY: Mary Lou Anderson

The claim process is fairly easy to…

The claim process is fairly easy to understand and submit.
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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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