Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Jeppey

As a first time Furparent, do not get Embrace as a pet insurance!

They will put your claim on hold forever! They said that they tried contacting your vet clinic for additional documents but I don’t think they did! They want you to do it yourself as if you have all the time in the world to do that! Very inconvenient! Not helpful! Your company sucks!
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1

out of 5

POSTED: | BY: Micaela Pesci

Honestly have had issue after issue…

Honestly have had issue after issue with you guys. And during all the appeal process I was unable to claim the most expensive surgery required. So very unhappy
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5

out of 5

POSTED: | BY: Jan Marie

Very helpful!

Embrace has helped us manage several unforeseen ailments. They are kind and compassionate to work with. We highly recommend this company!
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5

out of 5

POSTED: | BY: Kathleen Kelley

Exceptional

Have had embrace since I got my Yorkie, 12 years. They are fair, and reimburse within days. Exceptional company.
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2

out of 5

POSTED: | BY: HK

Embrace is great with initial response but…

**Update** while they did reach out and correct the issue for the wellness claim. They opened a second claim, which they explained to me that they had to do it this way. However, they opened the second claim and put it was for wellness AND that my cat was hit by a car, which isn't correct. He was not hit by a car. It was a simple wellness claim for a neuter procedure. Embrace is quick to reimburse you for covered claims. I was very pleased at first but my one wellness claim from November is the reason I only gave 3 stars. The adjuster on that claim is non responsive. All info was provided and still no response from her. All other claims have been great.
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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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