Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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.
4

out of 5

POSTED: | BY: Jennie Areson

Interesting submission

Interesting submission. My dog had multi-day hospitalization and subsequent surgery. Each day had to be submitted separately due to multiple providers. Also, credits were issued; no way to submit those to clarify amount due in total.
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1

out of 5

POSTED: | BY: Joseph Libasci

I was denied a claim a few months ago…

I was denied a claim a few months ago based on the fact that my dog was chocking and required an emergency exam. Embrace claims that without evidence of what went wrong or why, they denied the claim. Makes no sense at all!
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5

out of 5

POSTED: | BY: Maria Dresser

This company has the easiest procedure…

This company has the easiest procedure for filing a claim. Filing takes only a few minutes and responds time is usually within 2 weeks.
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5

out of 5

POSTED: | BY: Chas

Kara

Easy to submit claim and select reason for visit
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5

out of 5

POSTED: | BY: Susan Johnson

Very happy with Embrace for my dogs

I have had my dogs insured with Embrace for years now. They are fast and competent. I can do everything online, but they are easy to talk to if I have a question. I DID have a problem entering the diagnosis. It has happened in the past. I have to back up to the previous page and try again a couple of times but the software eventually gets there.
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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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