Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Mary Edris

First claim to Embrace

I submitted my first claim to Embrace. It was easy to do and they were responsive to the questions I had during the process.
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5

out of 5

POSTED: | BY: Jane Coogler

We received our reimbursement for…

We received our reimbursement for Fancy’s surgery. In the current economy and inflation, was a relief to build back our emergency reserve. Thank you
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3

out of 5

POSTED: | BY: Lorenzo J

I like that the company is fast in…

I like that the company is fast in processing claims however the hidden charges seem to undercut the purpose of the insurance. Example, my police has a $200 deductible which reduced my claim refund. However, my claim was further reduced for a copay that was added by Embrace. I thought co-pays are direct payments to the facility and not to my insurance carrier.
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5

out of 5

POSTED: | BY: SomaCell

I switched from a National pet…

I switched from a National pet insurance company that has a great reputation and good prices for their coverage tiers with no regrets. I have more coverage for both of my dogs than I did with the other company, for the same price. Filing a recent emergency claim was super easy and the refund was automatically deposited to my bank account. Love it!
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1

out of 5

POSTED: | BY: Kenyatta Walker

Terrible experience

Terrible experience! They are not what they advertise. Submitted a claim on April 27th and it took them until May 31st to give us a decision. The claim was denied. Our puppy has no pre-existing conditions. We took him to an emergency vet appointment after his paw was accidently stepped on (the Vet said that in her note). Claim was denied because lameness of a paw (the diagnosis) was considered orthopedic and not an accident which would have resulted in them having to pay the claim.
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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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