Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Valued Customer

Loyal Embrace Parents

We have been with Embrace for several years. We have never had any issues or complaints. Price is reasonable and gives us peace of mind for our 3 kitties. The Wellness Plan is our way to have the money to keep our kids vaccinated without worrying if we can afford it. Claims are processed quickly and customer service is always there for us. If people think you are nuts for having this coverage for your "kids", just tell them they are nuts for not having it!
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2

out of 5

POSTED: | BY: Carmen

I submitted a claim 3 weeks ago… it’s…

I submitted a claim 3 weeks ago… it’s still pending .. I wouldn’t say anything but I got 2 emails to give feedback of my recent experience
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5

out of 5

POSTED: | BY: Meg

Peace of mind

I just feel comfortable knowing my cat is insured, because he gets into some questionable trouble not even the Vet can explain. Peace of mind.
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4

out of 5

POSTED: | BY: Christopher Jaramillo

Simple Steps

The steps were laid out simply and worked. It was easy to submit all three claims within 30 minutes. However, I was submitting the data at peak time.
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1

out of 5

POSTED: | BY: Irma Fierro

Not what I expected

Not what I expected I wanted to like this pet insurance company, but I guess all insurance companies are the same. They all want your business but when you need them, they will find any reason to deny your claim. The short version is that my veterinarian died and closed his shop, so I couldn't get my puppy's records. We had an emergency and had to take her to a hospital (9 months after getting insurance and past the waiting period) submitted the claim and it was denied because I couldn't prove that it wasn't a pre-existing condition. I no longer need pet insurance but it was disappointing and heartbreaking, I will not be going with Embrace if I ever decide to adopt again.
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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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