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.
2

out of 5

POSTED: | BY: Mindi McElroy

I filed a claim on 7/1/2024

I filed a claim on 7/1/2024. As of today 8/15/2024 i still have not received payment for my claim. They are trying to say it is a pre existing condition when this policy was purchased years ago and i provided medical records when the policy was purchased that my dog had no issues at that time.
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5

out of 5

POSTED: | BY: Linda Wilson

They are always quick and efficient…

They are always quick and efficient with claims. My 6 year old Chihuahua has had problems in the past with renal failure and I have submitted several claims for that. No problems with my claims. Kidney failure has been resolved but, now she has Inflammatory Bowel Disease. They have quickly paid all my claims. I am very pleased with their service.
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2

out of 5

POSTED: | BY: Harley Chick

Conflicting information

It took a VERY long time. I was told some things weren't covered as they were part of the wellness charges. And then when I requested the itemization I was told everything was covered except for a med that wasn't FDA approved. It was very confusing with the conflicting information.
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5

out of 5

POSTED: | BY: Julie Flood-Hoying

This was my first time using Embrace

This was my first time using Embrace! I was impressed. The online form to submit a claim was simple and fast including uploading my invoices; Embrace contacted the veterinary hospitals for records directly which was great that I did not need to provide them; They sent me daily emails updating me on the status. Claims were accepted quickly with no questions asked and I receive a direct deposit into my account within a few days. The amount of the deposit matched what I had calculated!!! Seamless process. Thank you very much!
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4

out of 5

POSTED: | BY: Makenzie Kopas

I like the pet insurance the only thing…

I like the pet insurance the only thing I don’t like is that the wellness is very limited when I feel like it should be unlimited or a higher limit especially since they animals have to get so many shots every year and when they are puppies they have to be really fully checked and everything else.
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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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