Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,985

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: Sanders M.

Every time I submit a claim

Every time I submit a claim, I've been impressed with professionalism of the staff as well as the processes and procedures they have in place. Highly recommend Embrace Pet Insurance!
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1

out of 5

POSTED: | BY: Sara Thompson

Denying claims

Denying claims, even though documentation was presented, along with letter from veterinarian disrupting their denial. Seems to be like every other insurance company - always looking for an out. We have 2 other pets on their plan and now looking to go elsewhere. Wish we hadn't switched in the first place.
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3

out of 5

POSTED: | BY: Justice

I don’t feel that it’s right that…

I don’t feel that it’s right that insurance across the board don’t cover hip and knee disorders when you adopt a dog like I did they have to neuter them before you can adopt them. The research that I have done shows that when a dog is spayed or neutered before they are grown encounter these disorders due to the fact that they haven’t fully developed. It’s a catch 22. My dog who I adopted in September of 2022 is just now showing signs of hip disorders, and because he wasn’t first diagnosed with it when I started this insurance found out they don’t cover any parts of it. If you can say that’s this is a Great insurance good on your part. I am searching for a new insurance.
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5

out of 5

POSTED: | BY: Karen Schmidt

The prices are purrrrfect and they keep…

The prices are purrrrfect and they keep our fur baby healthy and our visit prices lower.
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5

out of 5

POSTED: | BY: Rory Hall

Easy and quick claims process.

Easy and quick claims process.
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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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