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.
5

out of 5

POSTED: | BY: Ivannelis Colon

Adore this company and their service…

Adore this company and their service for over a year now and plan to stay for many more. They work fast, efficient and swiftly. No hassle, stress free and everything about Embrace is super easy!!! Love love love !
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5

out of 5

POSTED: | BY: Kelly Bowers

Efficient and Simple Claims Process for Both of Our Dogs

We now have two dogs, a six month old rescue Chihuahua and our 9+ year old English Labrador. Embrace handles claims for both with ease and responsiveness.
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5

out of 5

POSTED: | BY: Karen Q

Super easy online claim process

Super easy online claim process. Checks arrive quickly!
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1

out of 5

POSTED: | BY: Kreitz Family

Very unsatisfied with our Embrace…

Very unsatisfied with our Embrace experience. Throughout the course of our pets life, Embrace denied every claim we ever submitted, including a dental cleaning claim due to a “pre-existing condition” of dental tartar that was documented by our vet during a wellness visit. Our vet agreed that was the most ridiculous thing she’d ever heard of in her 30 years of practicing veterinary medicine. Dental tartar is absolutely NOT a pre-existing condition, by any standard, except for Embrace pet insurance, so they don’t have to reimburse for dental cleanings. We appealed their decision, with the help of our vet, and Embrace denied our appeal, standing by their decision that dental tartar and plaque was a pre-existing condition. Sadly, Embrace was of little help to us throughout the duration of our pets life. They reimbursed for her end of life claims and euthanasia but only after they re-requested medical records that had already been sent. It also took them two and a half weeks to review and reimburse. When you spend several thousand dollars on end of life care, you depend on your pet insurance to be there for you and reimburse in a timely manner. We have five other pets that we have insurance policies on but NOT with Embrace. Would not recommend Embrace to anyone.
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5

out of 5

POSTED: | BY: Cris

Easy to submit a claim online.

Easy to submit a claim online.
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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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