Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Will M

Don’t bother

Don’t bother. This company is such a scam. They never paid out a single claim (always said pre-existing conditions or never met the payout threshold). My dogs had multiple issues over the years of various types and somehow Embrace always found a way around paying for them. I changed my address 8 months ago and their system didn’t update (SCAM!!!) so I overpaid for my policy too. Of course they do not care about helping you out at all. Seriously DO NOT SIGN UP FOR EMBRACE
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5

out of 5

POSTED: | BY: Calvin

Able to answer questions and…

Able to answer questions and sympathetic to your pet's needs.
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3

out of 5

POSTED: | BY: Mary Rovaris

I find it very difficult to file…

I find it very difficult to file claims. I don't ever know if the invoices i attempt to upload are received. I submitted several in the past 3 months and I haven't heard anything, Mary Rovaris
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5

out of 5

POSTED: | BY: Moira McMullan Johnson

Quick response to claims.

Quick response to claims.
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5

out of 5

POSTED: | BY: Tony Rodrigues

I really enjoy the ease of using their Website

I really enjoy the ease in which I can submit a claim online and using the mobile app. Status is easy as well and the turn around time for claims has been one day... Highly recommended company.
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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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