Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 14,035

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.9
  • Count
  • 0
  • 15
  • 14,035

Updated: April 16, 2024

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: RICHARD CALI

They need to have better service

Embrace needs to be more efficient with there refunds. It took three months for them to issue a refund. The reason was they were emailing and not faxing the request. Disappointed
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5

out of 5

POSTED: | BY: Cathy Thews

We just had an emergency with our…

We just had an emergency with our friendship. She got ivdd in her back and that tough surgery immediately we called embrace To get authorized, everything was done within a matter of hours. I had nothing to worry about. And my claim was paid expeditiously. Kudos to embrace for making this less stressful for us
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5

out of 5

POSTED: | BY: Joaquin Bueno

Claim processed

It was very easy to submit claims. I received email when claim was received and email when claim was approved. Will recommend to my family and friends.
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5

out of 5

POSTED: | BY: Cris

We were dealt with a difficult…

We were dealt with a difficult situation with our dog which resulted in his passing. It all happened so fast. Nonetheless the claim process was fast and easy. It was a simple document upload and I was reimbursed within a few days. They even sent a sympathetic email regarding our loss.
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1

out of 5

POSTED: | BY: JA

Dont waste your money

I purchased this policy for my pet and every claim I submitted it was denied and sent a preexisting explanation. Example: if your pet has a little buildup on a tooth they will call this dental disease and its NOT! Unless you start your pet out as a puppy or kitten, its definitely not worth giving your money away and you are basically donating to the company. I would recommend starting a savings account for your pet and place what you pay for a premium in that account vs. making payments to Embrace. Do your research there is several complaints online and people had a similar experience. It seems the last year they have been denying more claims, which makes you question a company's ethical practices. Do your homework if you feel you truly need pet insurance. Even veterinarian offices don't really recommend the insurance because they see this happen constantly.
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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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