Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: GLENN &

Comprehensive policy, wellness dollars and illness coverage.

This is an amazing product! Complete coverage for your pet.... wellness and illness coverage in one policy. Claims are easy to file via phone,fax or email. Money is deposited directly into my bank acct in a few days time!
5

out of 5

POSTED: | BY: Joanne LoBuono

Very Happy

After owning pets for many many years and never using pet insurance; Embrace is my first and am very happy with the programs I selected.
5

out of 5

POSTED: | BY: jeannette chwaliszewski

Best Pet Insurance

I like how easy it is to file a claim online. I get response quicker. The process it is stress-free. When they processed the claim, they sent you a detailed email. A must-have and peace of mind for my pet.
2

out of 5

POSTED: | BY: Beth Guide

2 Sets of Claims 2 issues

I have 2 dogs covered by Embrace. The first claim I filed was denied ($5000) and although I didn't agree with their decision, the people were nice and they were recommended by USAA so I didn't fuss much or look for alternatives. I wish I now that I had. I now have a second claim and they will not allow the doctors' fees of $1188 to count towards the deductible, because I financed the charges rather than paying the $1188 upfront during COVID and now they are refusing to apply the charges because they are financed. I've called, the Vet's called to explain but they aren't budging, So now in the middle of Covid, I have had to pay out of pocket $2100 and according to them still have not met my $1000 deductible. The vet said they have never seen an insurance company act like this and don't really know what to do other than cancel my finance agreement and have me pay the balance outright so we can get the coverage. The whole point though is I do not feel i have a trustworthy insurance company that will actually cover catastrophic events as i had wanted them from buying this product. Nice people but do everything they can to not honor claims.
5

out of 5

POSTED: | BY: Michelle Kaufman

I recommend Embrace Pet Insurance!

They are quick to review claims.
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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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