Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,859

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: Christina Arellano

I've had the insurance for almost 6…

I've had the insurance for almost 6 months and my dog hurt herself running around outside, the leash wrapped around her ankle and she pulled something in her leg. When I tried to file a claim, Embrace denied it because it was not within the waiting period. This is considered an accident and has a 2 week waiting period. Due to the "type of injury", they said it is actually a 6 month waiting period. They were not upfront about this when I signed on, I cancelled and will be getting my money back. I would not recommend this shady business to anyone.
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5

out of 5

POSTED: | BY: David Hartmann

Outstanding claims submission process

Outstanding claims submission process. Quick, painless, sufficient time to read and comprehend instructions.
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5

out of 5

POSTED: | BY: Michael D Kutella

Reimbursements

I'm so happy with Embrace Pet Insurance. Getting reimbursed for covered expenses is a breeze. I have not had any problems with this insurance since I purchased it last year. My cousin is the one who recommended it. She has had it for years for her cat. Thank you Embrace.
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5

out of 5

POSTED: | BY: Jedwardq

Very trustworthy but the premium goes up and up.

I have been using Embrace to cover my baby girl for 14 years now. The process of submitting receipts and getting reimbursed is easy, stress free and seamless. My only complaint is how they Jack up your premiums all the time. When I started I was paying around $80 a month. Now I’m paying $240 a month, but my girl is also fighting cancer so I feel relieved I have Embrace to help me keep costs at a minimum with 90% reimbursement!
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4

out of 5

POSTED: | BY: rubio crash

User friendly

The claims process is user friendly; the only difficult step was getting the document to scan on my end but that's operator error (Me)
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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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