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.
1

out of 5

POSTED: | BY: Cecilia Plaza

If I could give zero stars, I would.

If I could give zero stars, I would. I have been given many different explanations as to what constitutes a preexisting condition, have interacted with several profoundly unhelpful claims adjusters, and been given categorically unreasonable excuses for claim denials, even after appealing and even after providing documentation from my veterinarian addressing the initial reason for denial. I have essentially paid this company for nonexistent coverage and endless frustration. I would never recommend this company to anyone.
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5

out of 5

POSTED: | BY: Kathleen Howell

Ease of submitting claim.

Ease of submitting claim.
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5

out of 5

POSTED: | BY: Alexandra Rogers

Super easy to navigate submitting a…

Super easy to navigate submitting a claim!
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5

out of 5

POSTED: | BY: Tracy

First experience

First experience, But it seems very easy and intuitive to use the app and photos. Hoping this is the beginning of a good thing .
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5

out of 5

POSTED: | BY: Susan Roberts

Embrace Pet insurance was kind

Embrace Pet insurance was kind, they answered all my questions about pet insurance to get the cover I needed for my fur babies. I am very happy with the customer service they provided as well as their app is easy to use and very convenient for a quick reimbursement.
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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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