Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Esme Smith

Worst Pet Insurance Ever

We paid about $180 every month for multiple pets. Anytime we had to go to the vet for one of our pets we had to fight tooth and nail to get them to cover. I hated going to the vet because submitting to insurance was always a fight. Embrace always finds a way to not pay. If I could give it zero stars I would. They were happy to take our money every month for the past 8 months but when it came for them to pay they always found an excuse not to.
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2

out of 5

POSTED: | BY: Johnella Benton Joni

Claims take an extremely long process…

Claims take an extremely long process for answers. Some dog parents are struggling to care for our fur babies. Embrace could do a better job with finalizing claims.
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5

out of 5

POSTED: | BY: william oberlin

Ease at which I was able to submit the…

Ease at which I was able to submit the claim.
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5

out of 5

POSTED: | BY: Judy Zabolocky

Easy to Upload

So far: creating a profile, contacting my Vet, adding my cat, and uploading my claim have been super easy! Now, I'll see how much of this will be covered.
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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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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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