Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Darlene Kempema

5 Stars to Embrace Pet Insurance

I would highly recommend this insurance to all pet owners. They are fast and efficient, and they get refund to you fast and above all they care about animals and their health. What more can I ask for.
3

out of 5

POSTED: | BY: Jerica

The monthly premium is affordable…

The monthly premium is affordable compared to other insurances. However, I think they do a great job of trying to find the smallest things to deny a claim. I was told vomiting is a chronic condition for my puppy due to me calling my vet to ask a simple question in which they told me in a 3 month puppy, vomiting bile in the morning was normal and to feed him an extra meal. Now that is considered a chronic condition when my puppy wasn’t treated for anything or diagnosed.
3

out of 5

POSTED: | BY: Allie R

Tedious to file claims that may be denied for unrelated medical findings

I have 2 pet insurances (one for another pet with a pre-existing). While Embrace is less costly/mo than my other insurance, I find that they are much more tedious to file a claim. I think it doesn’t make sense to be required to provide all the info they request if they are only going to request the medical records anyway. Also my last claim was frustrating as they took a completely non-related prior finding as a reason to deny my claim. I had to have the veterinarian ultimately write a letter stating the claim was in no way related due the claim yo be paid. It seemed like such a waste of everyone’s time, when it was clearly not related. It just seems like Embrace was trying to get out of paying vs making sure they provided quality service.
5

out of 5

POSTED: | BY: Leticia Zepeda

Comfort and Peach of Mind

I have never used pet insurance before so I did not know what to expect. I was pleasantly surprised how easy it was to file a claim. I received an email instantly letting me know the process and within a week I received confirmation of my benefits and the amount I will be reimbursed for the claim. Unfortunately my beautiful dog did not do well after the surgery and we had to put her down shortly after but it was comforting to know that we had insurance and I was able to do everything possible to save her. I am deeply grateful to Embrace.
5

out of 5

POSTED: | BY: Emily S.

Very timely and supportive during claims process

My pup unfortunately passed recently after an emergency surgery and Embrace could not have been more compassionate, helpful and responsive. They paid my claims timely, answered all questions and offered kind words. Thank you to their team for making the whole process easy during such a difficult time.

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 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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