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.
2

out of 5

POSTED: | BY: Emilie R

Site doesn't work well and claims not paid

Site doesn't work well. Claims are not handled easily and requests for extra info for an elderly dog makes it difficult to get reimbursed.
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5

out of 5

POSTED: | BY: Susan Malanowski

Easy to understand what is covered and…

Easy to understand what is covered and quick review
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4

out of 5

POSTED: | BY: Charles Rader

I finally got my payment on my claim…

I finally got my payment on my claim and it was exactly what i expected
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2

out of 5

POSTED: | BY: Bruce Shank

Communication with Embrace is weak

Communication with Embrace is weak. Like raising prices without prior notice or any contact with my local vet. Deductibles seem almost useless help.
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2

out of 5

POSTED: | BY: DAVID

Just Okay!

All I can say is that I tried to file a claim, and it seems like all of my dog's ailments were pre-existing, so nothing was covered. They may be suitable for emergencies, but for annual checkups, they're not worth the monthly cost.
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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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