Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Benedicto Cabusao

Stay away from this insurance because…

Stay away from this insurance because they are the worst.Claim submitted in November 2022 still pending because they keep asking for the same records over & over for serval times. Be careful with this insurance charging thousands of dollars with your credit cards.They use preexisting condition to deny almost every claim. You will be stuck paying this bill for years to come. We got sick of their misleadingly confusing reason to deny almost all claims that we canceled then a week after our dog got sick & bills closed to $8K so they dodged another claim to deny to pay. We tried to give it another chance thinking maybe some will get covered. In the almost 2 years I’ve been with this insurance they never paid any of my claims. We took our dog 2 months ago to the ER & submitted the claim $3k & took 2 months as usual it’s denied. They take 2 months to review claim even through all the records are all provided only to deny.
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5

out of 5

POSTED: | BY: Margo McLaughlin

Embrace is top notch!

Embrace is top notch! Customer service is responsive, efficient and kind. Four paws up!
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1

out of 5

POSTED: | BY: Latasha Brooks

Insurance Claim

I wouldn’t recommend anyone to get insurance through this company… Each time I call they have a different story!!
5

out of 5

POSTED: | BY: A Hughes

This process remains to be one of the…

This process remains to be one of the easiest and smoothest online claims transactions that I get to experience.
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5

out of 5

POSTED: | BY: Nathalie Carisey

Super easy to use

Super easy to use. Very responsive
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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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