Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,795

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

VETERINARIAN: MISSION EMERGENCY VET

POSTED: | BY: ELEANOR

90% of $4500.00 reimbursed to me by my Pet Insurance!

I can't imagine not having Pet Insurance. There was no question that my cat could be treated No worry about affording her bill. Insurance paid the claim within four days. FOR PENNIES A DAY, IT IS PART OF CARING FOR YOUR ANIMAL, AS IS FOOD & SHELTER!
1

out of 5

POSTED: | BY: M L

Terrible

Terrible. Didn't pay a claim on a puppy I bought because it was born with a hernia. Ipaid for a whole year! Had nothing to do with its medical but they wouldn't pay. Called it all pre existing. I do not recommend them. IT WAS A PUPPY, 6 MONTHS AFTER I BOUGHT THE INSURANCE! NO WAY IT WAS PRE EXISTING. Now they are charging me and I canceled.
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5

out of 5

POSTED: | BY: Kathy Brown

Your process is quick and easy.

Your process is quick and easy.
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5

out of 5

POSTED: | BY: Ruthie

I choose Embrace as my Pets insurance.

I choose Embrace as my Pets insurance provider. They have been good to my fur baby. Very knowledgeable and my experience has been real good. I highly recommend them.
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5

out of 5

POSTED: | BY: Mariany

Highly recommend!!

This is the only pet insurance I have had, but my experience with them has been wonderful! I did a lot of research before deciding on Embrace and a big reason I decided to go with them is because I saw many reviews saying that they generally reimbursed well. As with most of you reading this, I did not want to pay a pet insurance for months only to find out that when the time came, there were a bunch of loopholes for them to avoid reimbursement. I started with them at the end of 2021 and was so glad I did because a few months later one of my dogs began having a lot of health issues. The hospital bill ran into the thousands and Embrace covered almost all of it. They review claims quickly and have a quick turnaround for reimbursement. They also have great customer service and respond quickly if you have any follow up questions. Only thing to keep in mind is that you do have to pay out of pocket first and then will receive the reimbursement either through a check in the mail or direct deposit. Regarding some pre-existing conditions, some of them (for example periodontal disease or anal sac impaction) expire once your pet receives treatment for it (e.g., dental cleaning, anal gland expression) so even if they initially did not cover a claim for this reason, it became eligible for reimbursement after the first time they receive treatment for it. I have been extremely happy with this insurance and I strongly recommend it for you and your pups :)
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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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