Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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.
5

out of 5

POSTED: | BY: Karla

They have covered almost everything we…

They have covered almost everything we had done on our cats, very happy with this insurance company. Customer service always the best! Highly recommend it!
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1

out of 5

POSTED: | BY: Trey Cadle

Embrace waited 6 months to do a medical…

Embrace waited 6 months to do a medical review. I was well past the waiting period & claim was denied. Now I’m having hard time reaching anyone on getting a refund for that pets premium.
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4

out of 5

POSTED: | BY: MRS DEBBY ICIDE

Embrace Review

Well, this is complicated. I had both my dogs with Trupanion for several years and only filed one broken tooth claim. They do not cover as much as Embrace so I switched insurance companies and added my 6 cats, so I have policies on all 8 pets. I have had to make claims now on a couple of pets and the process is long, especially the 1st claim as they do a deep dive into history looking for any evidence of pre-existing conditions. Any little mention gets flagged (like pink tinged fur on a foot excludes any dermatological condition for 12 months) Samson broke out is bad hives from a supplement given to him, it was not covered because of that pink-tinged fur possibly being dermatitis. (it wasn't, or I would have had him looked at for it) But overall, after a couple of claims under my belt, Embrace seems to be as good as any? They do cover more, so there's that.
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5

out of 5

POSTED: | BY: Angela

Embrace eats and leaves no crumbs

Embrace’s policies are easy to understand and they don’t try to wriggle out of a claim. My most recent claim was processed and deposited in my account in under 7 days. Couldn’t be more pleased.
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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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