Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: MARY

I was pleased with many things

I was pleased with many things! The customer service on how to file a claim, the quickness of the review as well as how quickly the benefits were deposited to my account.
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1

out of 5

POSTED: | BY: Sharon Ellis

Loopholes and escape tactics

I find that after working in healthcare it’s just what insurances do, which is take your money and do all they can do to not pay for anything. They create all kinds of loopholes to get out of paying. My dog had to have a surgery that was almost $6000 on 2/14/23. The policy was purchased 7/14/22 and there were NO pre-existing conditions regarding his Feb surgery, but during their in depth 12 month pre policy chart review, they found that Prince had a limp on 10/22/22, 3 months AFTER the policy was purchased and not ANYTIME before the policy was purchased, but they still will not pay for the surgery that he had to have 7 months after being a member! OH, and because he NOW had a problem, they will NEVER pay for a joint issue!
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5

out of 5

POSTED: | BY: Amanda Nicholson

Submitting claims through Embrace is easy!

Submitting claims through Embrace is incredibly easy! Having pet insurance gives me peace of mind to know that finances don't need to come into question if something terrible happens.
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5

out of 5

POSTED: | BY: lynn

Great Customer Support

Wonderful customer support and very knowledgeable
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4

out of 5

POSTED: | BY: Megan L

Communication is generally easy and…

Communication is generally easy and they keep true to the general 15 business day turnaround. They're also friendly and helpful!
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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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