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: Grisel Drouet

Been trying to get ahold of Embrace…

Been trying to get ahold of Embrace regarding my claim. The first claim was denied cause my dog couldn't wait 6 months to get arthritis, now again had to take my dog to the vet, submitted a claim, and still waiting. The status claims awaiting for doctor's note, when I spoke to the Embrace agent I was advised that they did receive the notes from the vet and I should hear back soon. Well, went to my app looked at the claims, and guess what it still states awaiting doctors notes, really. I am totally getting annoyed. I know that its almost a month, but just change the status you got the notes, now it states differently. Just want an answer.
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5

out of 5

POSTED: | BY: Susan Gignac

I had peace of mind with Embrace

I had peace of mind with Embrace. Everyone o spoke to was so nice.
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5

out of 5

POSTED: | BY: Liss

Embrace has been wonderful for me!

Embrace has been wonderful for me and my dog. Submitting claims is easy; payment is prompt; coverage is good. I recently canceled a part of the program I don’t need anymore, and was treated courteously and promptly. The remainder of the program I have is important to me to keep in case of a true emergency.
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1

out of 5

POSTED: | BY: Maria Mendoza

My rate went up after a year

My rate went up after a year. Not worth it imo. There are better rates out there.
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5

out of 5

POSTED: | BY: Mark Cole

Easy to use website and app!!

I've been with Embrace for 5 years now for my boy (dog) Jameson and my other boy (cat) BB. Super easy to submit claims on their app and website. They're very fast to get through the claims and to respond with any questions. Will continue to use Embrace for new furkids!!
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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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