Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Gail Hefley

Claim approval and coverage exactly as…

Claim approval and coverage exactly as stated in policy. Claims generally take longer than other companies and are not within a few days, but totally acceptable given the coverage and claim approval I've dealt with. 100% happy with Embrace!
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5

out of 5

POSTED: | BY: Douglas Craig

EMBRACE PET INSURANCE IS ABLE TO…

EMBRACE PET INSURANCE IS ABLE TO COMPLETE CLAIMS IN A TIMELY MANNER AND IS IN CONTACT WITH US REGARDING INFORMATION NEEDED FROM VET SO THAT THEY CAN REVIEW AND PAY CLAIM FAIRLY.
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3

out of 5

POSTED: | BY: Katie

The good and the bad

The good: super easy claims process and quick payment. The bad: be REALLY careful that you know everything about your pet's medical history before signing up. I didn't know that when my dog had a tooth pulled, the vet found a small growth called an epuli (it's a common, benign growth in dog's mouths). Embrace saw that in my dog's medical records from over a year prior, and said that without a biopsy to confirm it was benign, they'd consider ALL growths, including cancer, a pre-existing condition. I obviously could not get a biopsy on something removed over a year ago. I canceled and got a pro-rated refund for the rest of the policy because it just didn't seem worth it to have such a large exclusion.
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5

out of 5

POSTED: | BY: Darlene Farnham

App was easy to use

App was easy to use, the claim was simple, very responsive with questions. Love it!
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2

out of 5

POSTED: | BY: Julia

I insured two dogs

I insured two dogs - a five year old and a puppy at a monthly cost of ~$115. I also have a $500 deductible and a 20% co-pay. After a year, Embrace raised my monthly premium to ~$140 with no explanation. I’m currently doing the math, but at a certain point, just putting aside $140/month into a savings account will likely be more cost effective than this “best in class pet insurance”. Buyer beware!
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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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