Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Jane Haines

Our dog was very sick

Our dog was very sick. Had several trips to animal hospital with Ivs a couple times. My claims were filed the same day of submission. Some claims were paid the same day. I would highly recommend Embrace Pet insurance.
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2

out of 5

POSTED: | BY: Isa and Taran Griffis

Don't count on anything getting…

Don't count on anything getting approved unless you select the best plan (Most costly) out they have. Good luck.
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1

out of 5

POSTED: | BY: Jesica Mycroft

Extremely disappointed in the insurance…

Extremely disappointed in the insurance as well as the claims department. I will no longer be recommending Embrace pet insurance to anyone. They will find anything they can to not pay you out for a claim, they even stated an ear infection (otitis) is the same as skin infection (dermatitis) which clearly are TWO different inflammatory issues.
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5

out of 5

POSTED: | BY: Rebecca Peters

Embrace has always been quick and fair…

Embrace has always been quick and fair in their response to claims. Also I’ve called the customer service lines when I have questions and they are always friendly and knowledgeable. Highly recommend! Definitely worth it!
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4

out of 5

POSTED: | BY: DJ Jackson

Improving but

Embrace insurance has greatly improved in their process but lacks in their quality checks. At least 70% of the time, I have to call them about paperwork that has already been provided to them but sits in an unmonitored vacuum. Filing claims with Embrace is better but still frustrating.
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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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