Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,979

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: Pam Korper

Amazingly easy to deal with

Amazingly easy to deal with. If you can take a picture of your medical bill you will ❤️ this insurance easy peasy!
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1

out of 5

POSTED: | BY: jerry morel

Terrible

Terrible. They take your money and run. Endless automated emails. Requests for information on loop even after it’s been sent 2-3 times. Decline 100% of claims. Avoid at all costs.
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5

out of 5

POSTED: | BY: RMH

Easiest claim experience

As long as you have a computer/printer/scanner, this is the easiest claim reporting I have ever had, either for humans or dogs!
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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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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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