Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,802

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: Kady Ellifritz

Embrace pet insurance is great

I have filed four claims for two pets with Embrace and thus far have received excellent service, timely responses, and quick reimbursements. The app is simple and straightforward to use, as is the website. I have referred several friends and family members to Embrace, and at least two have purchased policies.
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1

out of 5

POSTED: | BY: KUMITEKUMITEKUMITE

Vacuum Level Nightmare for Your Dog

Do not use Embrace Pet Insurance if your dog has ever been to the vet. Every diagnosis, every observation will be used as a pretext to deny further claims. They will approve procedures and then deny the claim when the bill comes. Truly terrible, don't use.
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1

out of 5

POSTED: | BY: Emily Cornelio

No claim we’ve submitted has ever been…

No claim we’ve submitted has ever been approved. We pay $150 a month for nothing. If I could give 0 stars, I would.
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5

out of 5

POSTED: | BY: Alan Yamamoto

Easy to navigate the claim process

Embrace is so easy to navigate for claims and reimbursement for Vet services is very fast...within 5-working days. This IS our pet insurance of choice.
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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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