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.
5

out of 5

POSTED: | BY: Benjamin Norris

My experience has always been good with…

My experience has always been good with this provider for my pets. No complaints
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1

out of 5

POSTED: | BY: Angela Michelle Minter

my dog had a few sebaceous cyst and…

my dog had a few sebaceous cyst and fatty lipomas removed over the years, the VET decided not to biopsy one of those areas because they were confident it was benign. DUE to that one incident, Embrace denies ANY claim associated to any lump and bump as a pre-existing condition. why have insurance if they decided everything is pre-existing conditions.
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5

out of 5

POSTED: | BY: Debi

Shiloh's allergy epoisode

Embrace was the best choice I could have made for my Shiloh. They are prompt with the reimbursements of Shiloh's Vet bills. I have had nothing but positive interactions with Embrace. Thanks for all you do.
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1

out of 5

POSTED: | BY: Jean-Louis C

No visibility and impossible to get in contact

It is impossible to login to my account either on a computer or with the app. Impossible to know the status of the claims. Calling requires hours of waiting.
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3

out of 5

POSTED: | BY: Lisa Moramarco

Is it worth having pet ins?

The turn around time is typically very good. No complaints about that. The ins itself I'm still wondering if it is worth the money. Definitely not worth it for wellness visits. I didn't even get half back. Only worth it if your animal gets an illnesses or gets in an accident. After Rudy's illness I got a text saying I needed to update my payment method or is be canceled I already updated my card number weeks before my cat was sick. I was told they received payment and I'm up to date. Then I received a notice of cancelation. Tried calling twice and could not get through.
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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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