Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,347

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: David Vigil

Embrace has been great

Embrace has been our go to for our dog since we adopted her. Easy to use and very quick reimbursement for her annual visit.
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5

out of 5

POSTED: | BY: Luke E.

What a savior to have Embrace!

What a savior to have Embrace insurance! Our precious little doggy needed emergency surgery and Embrace covered everything outside our deductible. When you don’t have it you’ll need it, when you have it you wonder “will I ever use this?” and the answer is yes! I’m sure glad I had it!
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1

out of 5

POSTED: | BY: AG

Very inconvenient claim process

We had Healthy Paws prior to switching to Embrace and it seems like the reimbursement process with Healthy Paws was so much easier. Embrace takes forever to review a claim and makes us follow up with the vet on things they should be doing themselves.
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1

out of 5

POSTED: | BY: Michael McCarthy

The only real review on here not written by a bot

They simply refuse to reimburse any of their claims, I have been waiting for over 6 months. I have provided all of the documentation, notes from the vet, etc but they simply will not move the claim forward. They respond with “we need more information.” These are all claims they are supposed to cover with my plan. The vet has sent everything they requested but they continually kick back ever claim. If you try to call it’s impossible to get anyone on the phone. This is a scam, would not recommend!!
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5

out of 5

POSTED: | BY: Terri François

Claims/Invoices are easy to upload.

Claims/Invoices are easy to upload.
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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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