Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,991

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: Janet Gruner

Disappointed with the service

Disappointed with the service. They deny more claims than you realize and customer service is no help at all!! Be careful before signing up!!!
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5

out of 5

POSTED: | BY: Barbara Zwart

The representative was thorough and…

The representative was thorough and explained everything in detail.
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5

out of 5

POSTED: | BY: Patricia

The site was easy to use

The site was easy to use. I wish it had more spaces to clarify or explain the cost of the invoice. I had to do a deduction for the total cost but there were no spots to do so.
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5

out of 5

POSTED: | BY: Gerneice Martin

Good experience

Good experience. Been 9 yrs. Since owning a puppy. Cost weren’t outrageous after the initial visit but we definitely wanted a more cost effective policy for us, and it was actually easy to increase our coverage.
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5

out of 5

POSTED: | BY: Henry M Flores

I have a policy with three dogs and…

I have a policy with three dogs and Embrace Pet Insurance has alway been there when I really needed them. From multiple day stays in Intensive Care at the Animal Hospital to Eye Surgeries they have been there and covered the expense as agreed to. And the repayments are fast once the proper claim is made.
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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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