Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,971

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.
2

out of 5

POSTED: | BY: Shelby McRae

Claims Process is Lengthy and Unreasonable

My cat had an ultrasound of her heart. Due to her coughing being a pre-existing condition, they wouldn’t cover the costs. However, the ultrasound on her heart was due to her breed, not her cough. The claims process took months. After claim was denied, I canceled policy. I was tired of paying premium cost and being taken around in loops. Not to mention, they excluded dental exams due to claiming that my cat had preexisting dental disease. My cat does not have dental disease. She has a typical amount of plaque. This pet insurance was a scam.
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5

out of 5

POSTED: | BY: Craig Johnson

Submitting a claim is the easiest thing…

Submitting a claim is the easiest thing to do. It is fast and clear as to what you need.
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5

out of 5

POSTED: | BY: Jacqueline Lombardo

The ease to submit a claim form.

The ease to submit a claim form.
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4

out of 5

POSTED: | BY: Pete Ginocchio

Easy to create claims

Easy to create claims, reasonably priced. Payment of claims is slow and would be great if changes could be made so that Payment is received within 20 days. Otherwise, a great experience over the past couple years.
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5

out of 5

POSTED: | BY: DM

The staff are compassionate and…

The staff are compassionate and proactive on all levels. We entrusted three of our fur babies to them and they have treated them and us very well. We highly recommend them all.
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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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