Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,000

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: S Guinney

Excellent customer service!

Everyone I have ever spoken with at Embrace have been helpful and friendly. Very impressed with the level of customer service.
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4

out of 5

POSTED: | BY: biztraveler

Good Pet Insurance

Good Pet Insurance. Easy to sign up. rates are somewhat competitive. Embrace claims department was responsive which was good and the follow-up was also pretty thorough. However, it took 30 days to review the claim. After which they refunded a 75% portion of the total vet bill. They did cover euthanasia costs but not cremation.
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5

out of 5

POSTED: | BY: Scott Martin

Super efficient and accurate and fair…

Super efficient and accurate and fair claim process. Thank you!
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1

out of 5

POSTED: | BY: Mark Werlin

Any Excuse not to Pay a Claim

I signed up with Embrace based on generally good reviews and have been deeply disappointed. I've had two minor claims so far, both of which, after much back-and-forth and repeatedly asking for the same paperwork, were denied claiming "pre-existing conditions." This was patently not true -- for instance, I had an emergency visit because the cat was constipated, they cited "lack of appetite" as a pre-existing condition, which did not relate to the vet's diagnosis at all. I will have to terminate this policy and I really wish I had signed up with something else.
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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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