Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Nora Abrego

Not the best experience.

I’m not happy with Embrace. While the user interface is simple and intuitive, it seems to me its staff / adjusters are there to find as many loopholes as possible in order to deny paying the claims. Or it that but asking for a full medical review after 4 mo seems unfair and unnecessary. Why not do it in the beginning of the policy period when I still have time to decide if I want to stay on the plan or not? Arbitrary exclusions and now I’m stuck with them. I have 3 dogs and recently switched over from nationwide because of the constant premium hikes, but after having embrace for 4 months and having them deny nearly every claim submitted, I wish I had never changed. Really disappointed.
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5

out of 5

POSTED: | BY: Scott P

Great pet insurance

Great communication, fast turn around on claims, they have been really easy to work with.
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1

out of 5

POSTED: | BY: Wendy Jenks

Now I know my premium will go up

Now I know my premium will go up Thanks for nothing
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3

out of 5

POSTED: | BY: TOMASINA SAMPA

Typical & Biased

I was happy with the quick turnaround with claims; usually reimbursed pretty quickly, but lately all Embrace is doing is finding every excuse to exclude conditions & deem them as pre-existing. Now I'm fighting every claim I submit. Ortho conditions were the only conditions mentioned during the probationary period. Now they're "nickel & diming" claims because you have preventative diagnostics done for your pet & because they know nothing about specific breeds. Extremely disappointed in Embrace!
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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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