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.
1

out of 5

POSTED: | BY: Gillian Bradley

All benign growths exclude all future cancer treatments

My dog had a small benign growth on his gums. I asked my veterinarian twice if it should be tested, but she stated it was extremely common and did not look suspicious in any way, and elected to remove it during routine dental cleaning. This insurance policy will now not cover any form of cancer in any way because my veterinarian did not biopsy the gum growth. They intentionally elect to not review your pet's data until you submit a claim, so you do not have clear understanding of what is not covered until it is too late and you have already paid an outrageous monthly premium for years. Very unfortunate experience.
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4

out of 5

POSTED: | BY: Ron Kemper

I sent in two claims for my cat’s…

I sent in two claims for my cat’s treatment about six weeks ago. Today I received two checks in the mail that covered a good portion of the billing. I appreciate The thorough review of my claim and the subsequent payment.
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2

out of 5

POSTED: | BY: Cathy Phillips

Descent service, until your dog ages

I paid for pet insurance 11 years and hardly used it; We chose our pet from a breeder of merit. We feed her premium foods, have regular exercise and vet exams. Now that our dog is 11 years old, the price for insurance skyrocketed!!! It is no longer cost effective for us to pay the very high premium with a very high deductible. It ended up we paid for pet insurance for 11 years (around $7000) Instead, I wish I had opened a savings account for our dog to have money for vet bills as she ages!!
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5

out of 5

POSTED: | BY: Dr. Verdell Marsh

Submission of Claim

Claim Form is easy to submit online, allowing upload of documents.
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5

out of 5

POSTED: | BY: Tracy Peralta

Access to filing claims are easy &…

Access to filing claims are easy & convenient. Also, payout is 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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