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.
5

out of 5

POSTED: | BY: Barbara Powell

First Time to Make A Claim

This was my first time to make a claim, and I was very pleased that all worked as expected. Submitting the claim was easy and response time was fast. Once I reached my deductible I immediately received a check for the amount over that. I am so glad I purchased Embrace!
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5

out of 5

POSTED: | BY: Steven

Embrace representatives care about your pet

Embrace representatives care about your pet as they listen and understand. Claims are easy to submit online and Embrace keeps you informed with an expeditious review and reimbursement. Having this multi-pet policy is reassuring for the health of my pet family.
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5

out of 5

POSTED: | BY: Ceres

Embrace processed my claim quickly and…

Embrace processed my claim quickly and efficiently!
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1

out of 5

POSTED: | BY: Gary

Nothing Seems to Be Claimable

Haven't had the insurance long enough for my dog to capitalize on its worth, but from the start it has been "pre-existing" this, etc. I'm shelling out $102 per month and maybe one day, although we never want anything bad to happen to our pets, I will thank myself for buying it.
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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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