Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,854

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.
3

out of 5

POSTED: | BY: Roxie Clements

Broken claims system online

Ashley was very hekpful and sent me the information to submit my clain manually, but the claim forms will not open (get and OOPS from Embrace online) and I still cannot add a pet to my current claim online - please have your tech folks look into that!
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5

out of 5

POSTED: | BY: Clifford Reep

My cat had a emergency event and had to…

My cat had a emergency event and had to take to animal hospital. I filed a claim and at first thought I was getting the run around for reimbursement not knowing how pet insurance worked. Well it took 2 months with all documentation as a first time claim. I am happy to say that embrace lived up to it's promise and paid the claim. Thank you very much for your service.
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5

out of 5

POSTED: | BY: Paul Maloy

Always a pleasure utilizing the Embrace…

Always a pleasure utilizing the Embrace claims process. Also, I wanted to thank Charles for patiently explaining the Wellness Benefit Coverage to me today. I didn’t realize just how comprehensive the coverage is - from annual physicals to grooming to flea & tick meds to heart worm meds.
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5

out of 5

POSTED: | BY: Victoria Lynn Berdnik-Atkinson

Just renewed our policy

Just renewed our policy! Very happy with Embrace!
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1

out of 5

POSTED: | BY: Rimma Engulatova

I initially signed up for Embrace Pet…

I initially signed up for Embrace Pet Insurance, starting with a monthly of $37, which later increased to an astonishing $178 per month. I wanted peace of mind, knowing that my dog would be covered in case of a serious illness. Unfortunately, when the time came to file a claim, Embrace denied it, citing a “pre-existing condition.” My dog was healthy at the time I purchased the policy, which my veterinarian can confirm, yet Embrace insists that her later-diagnosed tumors are connected to a condition supposedly present before coverage, without providing any concrete evidence. Based on numerous previous reviews, it seems I’m not alone in this experience. Embrace appears to use the same “pre-existing condition” reasoning to deny many claims, raising serious concerns about the fairness and transparency of their insurance practices. My dog is no longer with us, yet I still have to deal with this, and it deeply upsets me. Embrace, please don’t waste time responding to this review if it’s only to add yet another standard paragraph about my pet’s “pre-existing condition.” The pattern is clear.
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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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