Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Kyla

I regret to say that my experience with…

I regret to say that my experience with Embrace Pet Insurance has been nothing short of disappointing. It pains me to label them as nothing more than scammers, as I've struggled to obtain any form of reimbursement through their services. To illustrate the extent of their lackluster support, let me recount an incident involving my cat's ear issues. Despite providing clear documentation and evidence of an ear infection, Embrace categorized it as a pre-existing condition under the umbrella of allergies, promptly denying coverage. This preposterous reasoning reflects their abysmal understanding of medical conditions, leading them to exclude a genuine health concern from their supposed coverage. I discourage anyone from entrusting their beloved pets' well-being to Embrace Pet Insurance, as their deceptive practices and lack of accountability make them an unreliable and unscrupulous choice.
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5

out of 5

POSTED: | BY: Michelle

Embrace works hard to make sure an and…

Embrace works hard to make sure an and all issues are resolved.
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5

out of 5

POSTED: | BY: TERRELL WEBB

quick and easy claim filing for both of…

quick and easy claim filing for both of our dogs
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5

out of 5

POSTED: | BY: Justin

The entire process is just simple and easy!

ease of claims submission; time to review claim; speed at reimbursement; honestly zero complaints at all! Really really impressed and happy with Embrace.
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5

out of 5

POSTED: | BY: Debra Lee

I highly recommend

I highly recommend. They have first-rate customer service, reimburse fast. Wish my own medical insurance was on par. They are Top notch!!!
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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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