Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Teresa Friel

the online process for filing claims is…simple

the online process for filing claims is fast and easy. I get automatic deposits when approved. This takes less than a week usually.
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5

out of 5

POSTED: | BY: Maria G

Excellent turn around with my pets…

Excellent turn around with my pets claim. This is the best insurance for your pet, they are fair, reasonable and the website is so easy to use. I highly recommend this Pet insurance .
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5

out of 5

POSTED: | BY: Donna R

This is my 2nd review

This is my 2nd review - I'm SO happy that I chose Embrace Pet Insurance. Excellent coverage, customer service, speed of claim processing, and best of all Embrace stands by the product they sell - peace of mind.
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1

out of 5

POSTED: | BY: Laurie Barrett

Baseless Declines

Absolutely horrible company, claiming vomiting and diarrhea are pre-existing conditions regardless of the reason and any future claims for the next 12 months will be denied if they involve vomiting and diarrhea. Language from Embrace included: "A pre-existing condition can be a clinical sign of an actual diagnosed condition; however, we do not need an actual diagnosis for a clinical sign in order for it to be pre-existing." What? Clearly stating they do not need an actual diagnosis to deny a claim. Vomiting and diarrhea are symptoms, not pre-existing conditions, and can be caused by any number of diseases, incidents, etc. To arbitrarily deny any future claims regardless of the reason is absurd. This company has earned its reputation for baseless declines and I strongly recommend finding another insurer. In addition, very poor customer service with adjusters that have no direct lines...it's impossible to get in touch with anyone, let alone the same person.
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5

out of 5

POSTED: | BY: Natassia Newton

Very happy with this service

Very happy with this service! Having insurance with Embrace has saved me so much money. I’m very impressed.
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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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