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: Brooklyn Pennington

At the time of purchase

At the time of purchase, the representative assisting me explicitly stated that my dog’s neuter procedure would be covered under the policy. However, upon submitting a clam for reimbursement after the surgery, I was informed that the procedure falls under wellness care, which is not included in my policy.
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5

out of 5

POSTED: | BY: Stacy Friedman

Easy to use

Easy to use! Quick claims processing!
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5

out of 5

POSTED: | BY: David Rosenwasser

I have been a client for many years and…

I have been a client for many years and have three dogs registered on Embrace. I appreciate the ease with which I can file a claim and the reasonable responses to my claims. I also appreciate that I can simply send along the receipt from my vet with minimal explanation. I have been able to trust that you can figure out what is covered. I just recently had one of my dogs come down with Anaplasmosis, which has occasioned testing the other two dogs, as well needing to recheck the original dog--many vet visits in a short period--and Embrace has handled these claims swiftly and well.
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2

out of 5

POSTED: | BY: AJ Germek

Pre-existing condition

Almost every claim is pre-existing condition unless they were hit by a truck
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5

out of 5

POSTED: | BY: Martha

So very easy to submit claims and when…

So very easy to submit claims and when I call, all associates have been so very kind and courteous.
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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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