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.
1

out of 5

POSTED: | BY: Paul Valkuchak

BEWARE!!! Of Embrace Pet Insurance

Bentley's doctor provided a comprehensive/detailed report for treating his ear infection but Embrace wasn't satisfied and kept requesting more and more information.....at least, three times!!!! Bentley's doctor has better things to do than to respond to these multiple requests for more and more information.....It was exhausting and I will NOT be renewing my coverage when it expires in February 2025.....I had paid over $1,000.00 dollars for coverage to date and this claim was only $300.00.....I could understand if the claim was well over $1,000.00 but what the heck!!! It took over one month to get this resolved!!!!
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1

out of 5

POSTED: | BY: Rosa Coronado

The wait time for reimbursement and…

The wait time for reimbursement and notification of medical records needed was much too long. Your company waited 30 days to notify me; it took another 30 days for reimbursement. I will not recommend your services.
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3

out of 5

POSTED: | BY: Brenda Laird

Complete reimbursement but lengthy

I liked that they review everthing, I hate the claim wait times. Took over 2 months to get approved
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5

out of 5

POSTED: | BY: Valerie Lee

We have been very happy with Embrace…

We have been very happy with Embrace and have had no issues what so ever in the 1.5 years we've been with them.
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1

out of 5

POSTED: | BY: customdrills

Frustrated that everything is a…

Frustrated that everything is a pre-existing condition. Been insured for over a year and not one cent paid toward any claim. Looking to change companies.
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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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