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.
1

out of 5

POSTED: | BY: Terry G

Do not purchase this insurance

Do not purchase this insurance! I paid for 6-7 months and never got 1 claim paid for. They are a rip off. My personal insurance company whom i insure my cars through has quit selling Embrace Pet Insurance after my experience. I would give them 0 stars if it were possible.
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5

out of 5

POSTED: | BY: Mary Bassett

Great customer service

Thank you for such a quick turn around. I was surprised how fast our reimbursement came!
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5

out of 5

POSTED: | BY: Trashyyard

We have been very impressed with…

We have been very impressed with Embrace Pet Insurance. Their mobile site was extremely easy to use and our claim was processed and refunded to our account very quickly. We were glad we had Embrace and it was one less thing to have to worry about while we navigated our dog’s illness.
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5

out of 5

POSTED: | BY: Gina Mixon Bates

Makes the process of filing claims easy…

Makes the process of filing claims easy and the claims paid within 24 hours of submissions
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1

out of 5

POSTED: | BY: Nancy Mundell

They do not pay their claims with any…

They do not pay their claims with any kind of professionalism. If you have a super young dog with absolutely NO issues, they may pay your claim, maybe not??? If you have a middle-aged dog that you take care of with a vet annually, beware! I went back and forth for weeks trying to get the claim filed to their liking and came up empty. I literally jumped through hoops. Although our 8-year-old mix was cleared on the initial health screening for underwriting purposes, they happily took our money and yet denied coverage when we filed a 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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