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: Daniel Connelly

What a horrible company

What a horrible company. They just increased our premium by 68% this year. When I called and asked why we had such a large increase they stated it was because we had been with them a long time and our dog did not have any pre-existing conditions. Steer far clear of this company!
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5

out of 5

POSTED: | BY: Robert Ward

Beau Visits the Vet!

Of course the Beau gets nervous at the vet, but the Dr and tech here are gentle. We can tell when Beau is not feeling well; lots of violent scratching and he's out of sorts. These folks restore his health promptly.
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5

out of 5

POSTED: | BY: Jennifer Purgason Walsh

Quick Payment

Super quick to get reimbursed and they are upfront about what is covered so there are no surprises. I am very pleased.
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5

out of 5

POSTED: | BY: customer

Very easy to submit a claim.

Great customer service. Easy to use website. Quick to process the claim.
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5

out of 5

POSTED: | BY: Tom D

Outstandingly straightforward website…

Outstandingly straightforward website allowing for swift completion of claim filing!
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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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