Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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.
1

out of 5

POSTED: | BY: Terry Roberts

Extremely Disappointed

I was extremely disappointed that Embrace did not cover my cat, Leo's, emergency room visit this past December. Embrace claimed it was a pre-existing condition. Leo had impacted feces and was treated with a laxative - it was a much different ailment than he had earlier - one and half years ago! Previously, "formed feces not present." Gastroenteritis is an umbrella term covering many types of stomach/colon/bowel distress. 
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5

out of 5

POSTED: | BY: Nelly Englund

Easy Process

The process was very easy and the response was quick.
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4

out of 5

POSTED: | BY: Priscilla Lee

So happy they covered most of a surgery…

So happy they covered most of a surgery for my dog that would have been 8K. Their claim submitting process is really easy through the app. The app does sometimes crash though. They respond to your claim in a timely manner and the new direct deposit made it much faster to get your reimbursement. The monthly payment does seem to get pretty high after your dog is over 10 years old which is why they lose 1 star. But overall I'm really happy with Embrace and have been recommending it to everyone.
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3

out of 5

POSTED: | BY: Oleg Kashireninov

Important peculiarity.

If you consider to deal with Embrace, keep in mind my more than 3 years experience with the company: 1) all your wellness claims like vaccination, grooming, etc. (hundred(s) dollars) will be paid very quickly and in full; 2) all your substantial claims related with an illness, trauma, etc. (thousands dollars) will be declined with references to pe-existing conditions which formulated very creatively.
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5

out of 5

POSTED: | BY: Aimee Miller

Great for kittens

Very useful! Great benefits. 2 day waiting for accident! They have tons of options. If you have a kitten they have a great Wellness program for reimbursement for all the 1st year costs!
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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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