Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: customer

Normal lab becomes reason for exclusion

They determined my cat had hyperthyroidism as a preexisting condition even though her lab value at start of coverage was, according to the vet, "well within the normal reference range," and my cat had no signs of hyperthyroidism. And due to the hyperthyroidism exclusion, they would also cover absolutely no health issues related to blood pressure, heart, or kidneys. So really very little point in paying them to cover next to nothing. And who knows what normal lab value they may decide was actually a sign of a preexisting condition once a diagnosis occurs.
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5

out of 5

POSTED: | BY: Dale Blasingame

Just filed first claim

I've had Embrace for a few years now, and I filed my first claim last week. The process was super easy. I uploaded the bill, and I had the money in my bank within 24 hours.
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5

out of 5

POSTED: | BY: MT

Direct deposit is the way to go

Direct deposit is the way to go! Much more efficient for reimbursement. Still a little slow in processing claims though.
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5

out of 5

POSTED: | BY: Mercede

Claim for my Cat daughter

Fast and easy way to submit my claim and I got the money refunded in about 1-2 weeks. I’m happy I got embrace when my cats were little kittens!!
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5

out of 5

POSTED: | BY: Maragret Moscato

Dry easy to make a clam

Dry easy to make a clam, received my check fast. Thank you I would recommend you to anyone looking for pet insurance
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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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