Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Laura

Ease of filing a claim

It was so simple to file a claim. Don't know about the result and just appreciated not having to fill out a lengthy claim form.
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1

out of 5

POSTED: | BY: Rosina Pavia

Zero stars

If I could give zero stars, I would. I have had a policy with Embrace Pet insurance for more than two years, at a cost of $85.79, for a total of more than $2,000. They have turned down both of my invoices for reimbursement for timing reasons, which is absurd. They first requested documents which both I and my vet provided multiple times, dragging the process out for months. They decided that they no longer accept JPEGs or DropBox files somewhere during those weeks. DO NOT EVER USE EMBRACE, unless you want to be effed.
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5

out of 5

POSTED: | BY: Dorina Rosario

Embrace pet insurance has always worked…

Embrace pet insurance has always worked with me to ensure our dog is well taken care of and it’s very easy to submit claims through their website.
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5

out of 5

POSTED: | BY: Brandy T.

I'm so grateful I have Embrace

I'm so grateful I have Embrace. My dog has had two surgeries this year and was hospitalized a few years ago. Almost all of it has been covered minus the deductible and my percentage of the cost. Customer service has always been great when I've called and not long wait times. I highly recommend them.
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5

out of 5

POSTED: | BY: Alex

We've had Embrace insurance for our two…

We've had Embrace insurance for our two cats for 2+ years since they were kittens and it's been a GREAT decision. They cover a lot and the process of submitting a claim is so easy. Our cats have both had health issues so we are grateful to have insurance.
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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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