5
out of 5
POSTED: | BY: Customer
Very easy to make claim on line
Very easy to make claim on line
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4.9
out of 5
Number of reviews 19,739
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.
2
out of 5
POSTED: | BY: MJ
Not worth the price
Have had this insurance for a couple years and had to use it for the first time this year. Had a procedure pre-certified and approved and then rejected after the procedure. Then a stomach bug medication that should have been covered was rejected for being a “wellness medication” even though it was for an active illness. The insurance cost has gone up significantly every year so it’s no longer worth it for our family
5
out of 5
POSTED: | BY: Ruthie
First Claim Experience
This was my very first claim through Embrace Pet Insurance. Their process was clear on how to get medical information to them. Their status updates were also great.
1
out of 5
POSTED: | BY: Alejandro
In the full year I've been with them I…
In the full year I've been with them I placed 4 claims. They covered 0 of expenses, every time apologizing and saying they can't cover pre-existing conditions such as...wait for it...diarrhea. Only to then call Diarrhea the most common symptom for almost any and all problems dog might have.
Last time was less than 2 weeks ago (around 5/13/2024) when I took one of my dogs to an ER service because a) explosive diarrhea out of the blue, b) dehydrated and panting and c) extreme abdominal pain. The diagnosis after paying $1200 was gastroenteritis which is guess what...evidenced by the swelling of the colon and wait for it...diarrhea. So they can't cover anything. Not even the xrays they took to discard obstructions. Not even the lab tests.
But they do want me to renew with them so they can get another 1K from me next year.
Insane. Awful.
5
out of 5
POSTED: | BY: Barbara Luchetta
Fast review
Fast review. Explained what was covered and if not covered why it was not. Direct deposit prompt.
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 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.