Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,922

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 Fernandes

After years of not using it, easy as can be when needed

After nearly 5 years of just having a policy and never needing it, I was pleasantly surprised by the ease of submitting claims for my cat emergency care visit.
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5

out of 5

POSTED: | BY: John Hussey

Thorough wellness exam performed

Thorough wellness exam performed, as usual. Directions and feedback were easy to understand and to the point. Doc and assistant were very nice and caring. Felt good about the whole experience.
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1

out of 5

VETERINARIAN: Haven Lake Animal Hospital

POSTED: | BY: Dianne

Thieves

We purchased our fur baby at 8 weeks, he had blood work done by our vet and had elevated liver numbers. He came to us with insurance for 30 days, after that time I switched to Embrace because I had another dog insured with them . Our baby was never sick until over 16 months later and then had pancreatic. Embrace denied the claim because he had a history of elevated liver enzymes even though that had never made him sick. Really check what you are getting because I truely believe this was unfair. I now know there are a few great companies that only have 6 month wait on previous conditions but in my dogs case there was not any previous problems or symptoms except for slightly high liver enzymes.
3

out of 5

POSTED: | BY: Anny

Claim Process Take a Bit of Work

Requesting a claim is easy. However, they don't let you submit the medical records from your vet. They email your vet and CC you. My vet submitted medical records for 2 dates. They only approved the 1st one. They continue to email the 2nd one. I have emailed them, uploaded my document myself and messaged them. They continue to email my vet and say it will be on "hold." It is a lot of work on your end to submit a claim.
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5

out of 5

POSTED: | BY: Neil Skjoldal

Quick & Easy

It's really super easy to submit a claim. It's usually processed quickly and you receive your payment quickly.
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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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