Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,771

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.
3

out of 5

POSTED: | BY: Pamela Gillispie

We're not happy with Embrace

We're not happy with Embrace. For several surgeries on our dog, Embrace refuses payment claiming the issue was based on allergies, a pre- existing condition. For the amount we ended up paying out of pocket (this years quote was over $225 a month) had we put the money aside each month, we would have had the money saved to pay for the surgeries. Pet insurance is NOT worth it.
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5

out of 5

POSTED: | BY: Michael D Kutella

It’s so easy to submit claims and get…

It’s so easy to submit claims and get reimbursed for the cost.
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1

out of 5

POSTED: | BY: Allen Shahir

No claim

No claim. They raised premium over 50% in one year. Stay away.
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5

out of 5

POSTED: | BY: Debbie Phillips

We went through a truly awful…

We went through a truly awful experience with our female 7 year old Whippet Mix, Thalia, being diagnosed with a tumor attached to her spleen. She wouldn't eat and was very sick. Taking her to the Vet, she was given meds to help her appetite until we could get her to surgery. In the midst of this diagnosis, my husband became ill too. If it wasn't for Embrace Pet Insurance, between Thalia's vet bills and my husband's medical bills, it would have been horrific. Embrace's app on my phone made submitting claims so very easy when I needed easy!! They would let you know that your claim was under review as soon as they received the claim. And would let you know it was processing and when your check was being sent. Thank you Embrace for helping me in a dire time in our lives. Unfortunately, we lost Thalia because the tumor had taken over her whole insides. And even in the end, Embrace sent us a beautiful condolence card when we least expected. We miss our girl and will forever; but companies like Embrace are there throughout. I would highly recommend this company to any furbaby owner. They were there for us.
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5

out of 5

POSTED: | BY: Joy Selph

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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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