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: Arron Holman

Terrible

Terrible. Took well over a month to get it processed, low transparency on why they elected what they did. They issued and sent a check without any confirmation about where I wanted that to be deposited and sent so I have yet to even receive the very small amount they offered. I took my dog for an emergency And they are barely paying anything. I am so unsatisfied I’ve messaged them and not heard anything back.Do not recommend.
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1

out of 5

POSTED: | BY: DIANE KARBONIK

Embrace has always been easy to deal…

Embrace has always been easy to deal with...until this small claim. I have downloaded health information several times because they wanted it for this claim and I am getting no response. I just restarted the same claim. Hope I get results this time
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5

out of 5

POSTED: | BY: Kenneth

Having pet insurance is a must!

Having pet insurance is a must because it can get extremely expensive to take care of your pets. Embrace makes the process very simple and keeps you up to date on your claims.
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5

out of 5

POSTED: | BY: Deb S.

Very professional

Very professional. Easy to use their platform with your pets visibly listed. Straight forward and honest. Appreciate the quick claim and follow-ups. Highly recommend
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2

out of 5

POSTED: | BY: Christopher Siebert

Not great

Not great, a lot of back and forth about required med documents. Not clear what was needed for a claim. Denied coverage on probiotics, prescribed by the vet, used to minimize side effects of drugs.
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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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