Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,140

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: michelle deutch

They refused to cover my street rescue…

They refused to cover my street rescue pup when he got the respiratory illness that was plaguing dogs in 2023 bc he had a documented COUGH when I first got him and during his 30 day wait period. It had been months that he had recovered from the initial cough before the respiratory illness that cost me thousands. Then January 1, 2024, he starts limping. We go through months of diagnostics and possibly treatments. I try to file all the bills but continually keep getting kicked off the app and site. Help line consistently has long wait time but I understood that I had 365 days from vet visit to file for reimbursement. WRONG! Denied, again! I can't switch to another company bc now he's got multiple pre existing conditions 😡
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1

out of 5

POSTED: | BY: JoJo

Very horrible and deceiving insurance…

Very horrible and deceiving insurance company. They received your claims and do not process them even though they fall within their policy within a new excuse each time.
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5

out of 5

POSTED: | BY: Brian

Easy to navigate

Easy to navigate. Straight forward and easy to submit a claim.
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1

out of 5

POSTED: | BY: oldsarge scouts out

My claims continue to be rejected as…

My claims continue to be rejected as pre existing conditions; in hindsight I would not go with this company. This company doesn't have your pet welfare in mind; the profits steer their decisions.
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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.

Provider website

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.

Provider website

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