Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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.
4

out of 5

POSTED: | BY: Dee Austin

A penny saved is a penny earned

My experience was good in the sense that now that I know what not covered I don’t have to waste money on insurance since nothing really that I would need it for is covered. I appreciate the representative taking the time to go over the records and to let me know. That was very helpful because I had been paying for a lot of coverage that I would not even need. I think my dog and I will tough it out as he’s been doing and we will continue to find natural remedies for what may or may not be allergies. His situation is not confirmed yet with the doctors to know what exactly the issue is but since there is no coverage for it, trying to pay on my own is a bit much. This has saved me time and money.
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1

out of 5

POSTED: | BY: Patrick Maynard

Vet treatment for ear infection was…

Vet treatment for ear infection was disallowed because it was determined as an office visit. My dog is now back at Vet because infection got worse...we'll see if this claim is also rejected...
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1

out of 5

POSTED: | BY: Michael Camilon

What am I paying for?

So not only did the company significantly raise their prices, providing terrible excuses as to why, the first time we actually submitted a claim, that was a significant emergency for my dog, they practically didn't cover anything. I'm damn near paying for their highest coverage, only to not have nay of my dogs bil covered at all. Nearly $1200 bill and they covered $75.00 of it. With the ridiculous cost of the deductible fee and the significant increase to my monthly bill, I'm heavily considering canceling my account. I would honestly probably be saving money that way. If I could give no stars I would.
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5

out of 5

POSTED: | BY: Mike

Easy to use and very quick

Easy to use and very quick
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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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