Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,968

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: Matte

Every claim submitted was denied.

Every time I submitted a claim it was denied. I paid for 4 years of coverage at around $40/month and in that time Embrace covered a total of $0.88 of vet visits. Save your money.
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5

out of 5

POSTED: | BY: DEBRA

Prescription Coverage

Embrace is fantastic for covering prescriptions for my baby girl!
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5

out of 5

POSTED: | BY: Kate

We love Embrace

We love Embrace. They pay claims timely and fairly. Never have had an issue with them for any of my animals
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5

out of 5

POSTED: | BY: Julie

Easiest way to submit claims

Easiest way to submit claims. Really appreciate this!
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1

out of 5

POSTED: | BY: Lisa Spivey

If I could rate them zero stars I…

If I could rate them zero stars I would. After having them for 10 months, they denied every single claim I submitted. Every time I submitted a claim, they came back and said it was due to a pre-existing condition, which was not true. Even after the doctor submitted the history and inform them that it was not pre-existing they still refused to pay out so paying $70 a month for pet insurance. You do the math on how much it cost me for nothing. STAY FAR AWAY
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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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