Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Pamela Heebner

I have been an Embrace pet insurance…

I have been an Embrace pet insurance client for at least 8 years or more and never filed a claim. Just got my new renewal and they almost doubled it. I cancelled it and took 5 thousand out of savings and put it in a savings revocable trust for medical care for my cat. I'll be my own insurance company. Insurance companies need to be regulated - they have gotten way out of hand.
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5

out of 5

POSTED: | BY: Sara T

Quick & Easy!

It was very quick and easy to submit a claim.
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3

out of 5

POSTED: | BY: Damaris Connors

It takes very long to see your money…

It takes very long to see your money deposited in your account. You must keep an eye that what gets approve gets deposited and they also make it difficult to cross reference the deposit since they dont give you initial claim and cover claim information in your deposit ( intentionally) i wish there was more transparency to recommend to others. The higher ups are aware but EE are not too aware this is done intentionally in my opinion.
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4

out of 5

POSTED: | BY: customer

Easy to understand the process and…

Easy to understand the process and straight forward submission
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1

out of 5

POSTED: | BY: Myriah Alves

Claims and call backs…

I put in a claim they denied it saying it was precisiting as of 11/22/24 and guess what?, that was the 1st vet visit for my cat since becoming a member and it was after the allotted grave period by 2 days so I cammed them and the rep said I would have to talk to someone in billing and he transferd me then I left a voicemail and here it is several days later and still no call back yet they didn't hold back taking the 2 cats monthly fee this morning. So I will probably be canceling membership in 30 days before another payment is ran for either of my cats.
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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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