Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,867

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: Constance

Easiest claim process

The claim process is so easy. Only about 4 steps and it's done. I like how I can submit the claim through the app on my cell phone or my laptop. Since being with Embrace I have noticed that the whole process from submitting the claim to getting reimbursed is about 48 to 72 hours. NOT a bad turnaround at all.
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1

out of 5

POSTED: | BY: Jana Olivieri

Part of my claim wasn’t paid because of…

Part of my claim wasn’t paid because of an assumption that my dog has a preexisting condition, which she does not. She’s only one and a half and has hardly been to the doctor other than well visits and grooming. I am considering cancelling this insurance if my claims are not going to be paid.
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1

out of 5

POSTED: | BY: Eric

They are absolutely horrible

They are absolutely horrible, after having Spot and Nationwide, Embrace is 1000x worst. Avoid like a virus.
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1

out of 5

POSTED: | BY: Christopher Biek

Waited months and months for a medical…

Waited months and months for a medical review while I continued to pay premiums. They pestered my vet over and over for the same information. They put all my claims on hold and have now told me that my dog will not be covered for basically anything. My rates went up 300 this year and now I can't even use her insurance. Good luck if you choose embrace.
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1

out of 5

POSTED: | BY: Ashten Haken

No re

I’ve submitted a question regarding my claim and have not heard back yet. My dog had to go in for a broken toe nail and my claim came back not covering the portion of the bill for the toe nail removal which was the only solution for the injury.
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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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