Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,744

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: Henry Hank Robert Wiese

Not happy that I had to call to discuss…

Not happy that I had to call to discuss cancelation and then my last claim was re-reviewed and just like that I get paid for services that were "missed". If I can't trust the review process to find reimbursable procedures then why do I have this insurance?
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5

out of 5

POSTED: | BY: Flo Downs

Embrace was wonderful to work with when…

Embrace was wonderful to work with when processing claims and dealing with our pet’s concerns. Very kind and efficient
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1

out of 5

POSTED: | BY: Anita Nye

Claim denied by trying to change the vets diagnosis

My claim was denied based on your diagnosis not the vets diagnosis. I callled you on it and you said you paid a partial claim, which I have not received but did not reply to my request for the full refund.
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1

out of 5

POSTED: | BY: Kese Johnson

Done with this company

Done with this company. Bait and switch as usual.
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5

out of 5

POSTED: | BY: Erin Cooper

4 paws up

Embrace has always been easy to use, and prompt in communication and payments. Their customer service is outstanding.
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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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