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: oldsarge scouts out

My claims continue to be rejected as…

My claims continue to be rejected as pre existing conditions; in hindsight I would not go with this company. This company doesn't have your pet welfare in mind; the profits steer their decisions.
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5

out of 5

POSTED: | BY: Mike carm

Submitting was easy

Submitting was easy. I'll give you a real rating after I this claim is completed.
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5

out of 5

POSTED: | BY: Aimee Wilson

Always a quick and easy experience!

Always a quick and easy experience!
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5

out of 5

POSTED: | BY: Mike Schlosser

This was super easy to use and submit

This was super easy to use and submit. I was holding off not looking forward to this but thank you for making it so easy.
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5

out of 5

POSTED: | BY: Cynthia Evans

Online submission for a claim easy peasy

The online submission for a claim was so easy! In seven years, I have not submitted a claim because filling out forms is so annoying. Just discovered I could do it online. Love this.
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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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