Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,889

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: Chapie

The ease of use and access

The ease of use and access! I really like how it wasn’t a problem logging in, doing what I needed to do and being done. I’ve yet to have any problems with any experiences.
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1

out of 5

POSTED: | BY: Suraj Varma

Misrepresentation of Pre-existing conditions

Though this review is from my April 19th experience, this is representative of what I have been dealing with Embrace Insurance. When we brought our 2-month old puppy home in June 2022, I made an error of filing a claim within the 14-day waiting period with this insurance. The puppy had loose motion from chewing something in his new home and the doctor gave medication for diarrhea. This was marked as a pre-existing condition and ever since, they keep applying this excuse to every claim we make similar to this. The dog never had any prior medical condition to be marked so. Even for this April 19th scenario, he had gastroentritis and doctor a medication to help with that. Embrace marked it as another diarrhea and now extended the waiting period. This has been frustrating and causing us to lose money. Myself and the dog's vet have tried to explain this but Embrace won't listen.
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5

out of 5

POSTED: | BY: Suong Bilodeau

It was very easy to make a claim with…

It was very easy to make a claim with my phone.
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5

out of 5

POSTED: | BY: Katherine

so quick and easy to use.

so quick and easy to use.
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5

out of 5

POSTED: | BY: SHARON LG

Embrace Pet Ins has excellent reps who…

Embrace Pet Ins has excellent reps who care & Listen. They make our experience simple when calling about our animals. 😁😁
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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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