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: Antoine Rivière

Can't recommend

i had a really bad experience with them. they refused to cover my cat's procedure and treatment because of pre-existing conditions. I spent hours on phone with them, and provided signed documents by multiple veterinaries to contest the pre-existing condition that embrace invented. They finally changed their mind. Just for them to raise their prices by 50% the next year.
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5

out of 5

POSTED: | BY: Carlos Arrieta

Definitely this is a serious insurance…

Definitely this is a serious insurance company. Excellent claim experience.
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5

out of 5

POSTED: | BY: deboCustomer

i always have a good experience with…

i always have a good experience with Embrace. Indeed I am so thankful I found out we could get insurance on our dog many years ago. As it turns out he has had quite a few things he has had to deal with and though we would do anything for our pet it is so helpful to know this insurance gives us a little bit of financial relief.
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5

out of 5

POSTED: | BY: Ruth W

This company takes the financial pain…

This company takes the financial pain out of a visit to the veterinarians. Process of submitting a claim in straightforward. You can easily check the status of the claim/reimbursement
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5

out of 5

POSTED: | BY: Sally Bunker

I appreciate the ease of submitting a claim

I appreciate the ease of submitting a claim, particularly when I was (am) pretty emotional about the potential results.
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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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