Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,342

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: Samuel Campese

Still have a claim pending from…February

Still have a claim pending from February. Now after 5 weeks I see they are requesting paper work from the vet. Very slow on paying out claims. Should have stuck with Nationwide.
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1

out of 5

POSTED: | BY: Helayne Silver

Terrible experience

Terrible experience. My dog had surgery for a spindle cell sarcoma and they declined my claim because she has had 2 small skin tags in the past one resolved without treatment and the other is on her eyelid, very common and has not changed in 3 years. Due to small skin tags they are saying she had a preexisting condition. I am a physician I know this is ridiculous skin tags are common and are totally unrelated to the spindle cell sarcoma that was found and removed within 2 weeks. I am forced to give one star to post that they dont deserve even that.
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5

out of 5

POSTED: | BY: Michael Hori

Claim Processing

From the time we submitted our claim to when it was processed was very easy and seamless. And the check mailed to us came sooner than the 10 days.
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5

out of 5

POSTED: | BY: Julie

Fast review and turnover

Fast review and turnover. Conscientious communication and no haggling with claims.
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3

out of 5

POSTED: | BY: RICHARD CALI

They need to have better service

Embrace needs to be more efficient with there refunds. It took three months for them to issue a refund. The reason was they were emailing and not faxing the request. Disappointed
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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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