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.
5

out of 5

POSTED: | BY: Trod

The Staff is very professional and has…

The Staff is very professional and has knowledge of every detail and explanation for the customer about their claims witch made me feel that everything was in order.
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5

out of 5

POSTED: | BY: Roxanne Pendleton

Very easy to submit claim and claim was…

Very easy to submit claim and claim was reviewed and completed in a timely manner
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5

out of 5

POSTED: | BY: Eva Feldman

Smooth as silk claim filing process!

We are fairly new to Embrace, and we have found the claim filing process to be quick and as smooth as silk. So far, we are very pleased that our two precious standard poodles have health insurance coverage under Embrace.
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5

out of 5

POSTED: | BY: Mike Brady

Been using Embrace for a few years now

Been using Embrace for a few years now. Heard of them through USAA. I’m happy with the service
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1

out of 5

POSTED: | BY: Melissa Gray

Coverage denial

I signed up for this insurance for my two cats in January. At that time I had to submit all medical paperwork from the vets so that coverage could be determined. We were given the green light. Fast forward to actually submitting a claim for ER visits and all was denied because they said everything fell under pre-existing and that after review, I should be on accident only coverage, however that was not told to me when I signed up for full coverage when they initially reviewed. I wasted a year's worth of premium money when they knew they were not going to cover my cat so for any medical claims.
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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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