Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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.
1

out of 5

POSTED: | BY: customer

DO NOT BUY THIS INSURANCE for your pet

DO NOT BUY THIS INSURANCE for your pet! If your pet has ever been to a vet; forget about getting reimbursed from this insurance company. They denied all claims despite my vet writing a letter to educate them about the condition he was treating which had nothing to do with a pre-existing condition. Extremely poor response time and a lack of education about medical issues here. Don't waste your money with this company.
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1

out of 5

POSTED: | BY: Melissa Smith

Here is an update from my previous…

Here is an update from my previous post: Embrace offered $200 on our $700 claim and we received a check for $40.00!! Said they had to deduct our premium but it was unclear why it wasn’t deducted from the $700.00 total cost! Terrible customer service!
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5

out of 5

POSTED: | BY: Maricarr Stubbs

Wonderful health insurance for my cat Twinkle

I got wonderful health insurance for my cat Twinkle
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5

out of 5

POSTED: | BY: Andrew Dolan

An amazing company

The ease of submitting claims and the speed for reimbursement are second to none. I could not be happier with the service and professionalism shown by Embrace's staff.
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5

out of 5

POSTED: | BY: Chantel

Easy and fast

Claims are easy to submit, they're processed quickly, and the explanation of reimbursement is clear.
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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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