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: Denise

Embrace is a lifesaver

I researched insurances before I purchased Embrace and I definitely made the right choice. I figured that after I got insurance for my rescue I'd have NO issues with her, but go figure. Getting Embrace for my girl was the best decision I've made.
1

out of 5

POSTED: | BY: Katherine

Avoid Embrace

Embrace continues to deny valid claims and make claims process a total misery. Prepare to have every valid claim rejected, have to torture your poor vet to send the same records multiple times and to have to call or follow up on most everything. And you’ll be lectured about your policy terms while you pay premium every month. Finally had a claim covered for giardiasis. But they deny coverage for diagnostic test as wellness? Really? Do they think stool testing to diagnose a covered illness is recreational? Just hopeless. Do not buy a policy from this company. It’s an endless nightmare.
5

out of 5

POSTED: | BY: Maria Villanueva

The best in every aspect.

I was clueless when it came to buying insurance for my fur babies. A co-worker suggested Embrace and I'm so glad I did! They have been absolutely the best, being so patient with my many questions and concern and always making me feel that my fur babies and myself are important. Their online portal is a breeze. Thanks for everything guys !
5

out of 5

POSTED: | BY: Sharon Snell

Embrace has been a joy to work with, it's simple, easy and fast.

I've been very impressed with Embrace insurance for my dog. All of my claims have been handled with dedication to detail.
5

out of 5

POSTED: | BY: Jonathan

They are fair, but processing reimbursements takes too long

Embrace is the only insurer that considered my cat's previous illness as not pre-existing where other would probably have. I did have a chance to use the insurance not too long ago and they paid out as per agreement and provided an itemized detail of what got paid out and what was not. This company is very transparent and this I truly appreciate. What I wish they could do better is processing of claims. On average, payouts are anywhere between 6-8 weeks from filing. They need to improve this to get a 10-rating. But yes, I do recommend Embrace to pet owners.
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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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