Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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.
3

out of 5

POSTED: | BY: Dan Z

Embrace did pay my claim

Embrace did pay my claim. I would have appreciated a smoother journey to it… way faster processing, no duplication of effort on my providers parts, no interminable waits on hold to get info, accurate and current info on their website. ONCE ALL THAT WAS IVER THEY PAID THE CLAIM.
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5

out of 5

POSTED: | BY: Tricia

Thank You!

Thank goodness I've never needed my pet insurance all these years, but when I need it now with my senior dog, Embrace is coming thru EVERY time! Thanks!
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1

out of 5

POSTED: | BY: Feeling exploited

All claims denied

They cited vomiting as a preexisting condition pulled from my 7-month old puppy’s medical history and denied all claims submitted Vomiting is a symptom not a diagnosis. Vomiting may be one symptom of many, many, many, different conditions, or no pathological condition at all, and is very common in puppies. Calling vomiting a preexisting condition is absurd and an obvious excuse to deny all claims. This insurance company is a SCAM, out to collect money from patients, underpay providers and not cover any actual medical treatment!!!!!
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1

out of 5

POSTED: | BY: Cheryl Lebo

Still waiting almost later.....

Submitted claim sickness claim for one year old cat 7-9-24 complete with all three records from our vet. Was told they never received information. Kept re sending and so did our vet. FINALLY got a live person -Zena -7-29-24, says need more records ....the cat is one year old....stalling. do not keep you updated either but they are extremely prompt taking monthly payment from my account. Plan to cancel this ASAP.
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5

out of 5

POSTED: | BY: Diane Baker

Seamless and that is why I changed.

Seamless and that is why I changed.
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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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