Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,906

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: Larry J

Very hard to get claims approved

Very hard to get claims approved. Very dissatisfied. Much easier with my other dog’s insurance. And they about doubled the new year premium. Probably going to drop them for all the frustration.
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5

out of 5

POSTED: | BY: customerDD

Easy Claim Process

My dog’s claim was processed in a user friendly app. The claim was paid and check sent promptly.
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5

out of 5

POSTED: | BY: Carolyn

Very easy to file a claim, extremelyfast payout!

Wow! SO impressed! Our poor pup became horribly sick after a brief boarding experience. I submitted the claim and found it very easy. Just scanned in my receipts and posted them to the Embrace website. Because it was our first claim, they had to get all her medical records. They kept us informed the whole way, and the payout to my bank account was very quick. Dang! My dog has better health insurance than I do!!
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5

out of 5

POSTED: | BY: Owen

Claim responded to very quickly

Claim responded to very quickly. Much appreciated during the passing of my cat.
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5

out of 5

POSTED: | BY: Stephanie

This is my first experience with pet…

This is my first experience with pet insurance. I did some light research and settled on Embrace. I submitted my first claim feeling really good, it was denied. I was super annoyed and harsh in an online review forum about it. After multiple back and forth with my adjuster, who had some great suggestions, I was able to get a partial refund of just under $1000.00..so, I was left feeling much better about that outcome and plan on finding that review and updating it.
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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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