Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: customer

This is my first time using embrace pet…

This is my first time using embrace pet insurance this year for my pups and I have had a wonderful experience and they are always prompt in getting my refunds back to me. Also it is nice to be in touch with people that keep you informed. Communication is key in today's world and that is something that is hard to find. Thank you embrace for your help with my pups needs.
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5

out of 5

POSTED: | BY: Adrian Ioja

Our bulldog needed a procedure for his…

Our bulldog needed a procedure for his eyes. We submitted the pre pre-certification paperwork and after the procedure we received our reimbursement within days. The amount received was exactly what Embrace had promised. We are very happy and highly recommend them.
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2

out of 5

POSTED: | BY: Linda Dean

multiple claims

multiple claims, none considered or applied to deductible just says " awaiting medical history" despite me sending in veterinary records myself
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5

out of 5

POSTED: | BY: YG

Submitting the claim was so convenient…

Submitting the claim was so convenient & easy with all the prompts.
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5

out of 5

POSTED: | BY: Donna Hardy

I'm always appreciative

I'm always appreciative of the ease of submitting a claim and the updates I receive as it's being processed then the explanation of the reimbursement. It's comforting to know Embrace has my back when it comes to my fur baby.
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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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