Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,921

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: Lisa

Couldn't do it without you

I have had Embrace for almost 2 years and it has been the best thing I could have done. I had to use the insurance multiple times and always had great experiences.They are very fast getting claims processed and customer service is always willing to help. Not often you get that. Thank you Embrace
5

out of 5

POSTED: | BY: Aron

Minor Paperwork issues but a great job overall.

Other than paperwork/communication issue which was easily cleared up Embrace has done a great job for us. I noticed some bad reviews when shopping for a company but after reading their policy information it was obvious those were complaints from people who did not understand their own policy. From our experience I would highly recommend Embrace.
2

out of 5

POSTED: | BY: Nik

Poor Communication

Filed a claim and uploaded the necessary documents however Embrace said claim couldn't be processed because they did not look to see if the invoices were online. They suspended my claim however the necessary documents were available if they checked.
5

out of 5

POSTED: | BY: Carmen

Excellent

I am very pleased with Embrace insurance.They have handled all my claims professionally and quickly.
1

out of 5

POSTED: | BY: G.H.

If your pets are family ..do not use Embrace

They made up information about our animals to exclude them from coverage including telling us one of our cats was noted to have aggression back in 2012 (he wasn't born yet) They are nasty and misrepresented​ their care for our animals. So we have canceled with them and let USAA (veteran family here) that we will not pay money to any company that treats our animals like they have. Over $2k in bills. Met the deductible on first visit and got zero coverage. Our cat was constipated for the first time in his life but really bad...visit to ER and then 3 sedations and removal of excrement. This has been going on for 3 weeks. Pre existing condition my ass.
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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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