Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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.
5

out of 5

POSTED: | BY: SIMON/DEBBEE LORRAINE

I Love

I Love, Love, Embrace. The submission process is so easy and welcoming. I have never had any claim issues with them. The website is absolutely adorable and fun to use. Thank you for the quick returns as well! The best pet insurance by far. Thank you.
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3

out of 5

POSTED: | BY: Ninfa Garcia

My puppies routine exam and a fecal…

My puppies routine exam and a fecal tests were not covered under the wellness program when they state it should be. Now I have to get some sort of document from the vet to say otherwise?
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5

out of 5

POSTED: | BY: Deb

Easy app and always very fast

Easy app and always very fast. I have been with them 4yrs now and they are always helpful. Thanks Embrace team.
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1

out of 5

POSTED: | BY: Grant Endsley

They deny everything. SCAM!!

They deny everything. If you want anything covered, you need the wellness package, and with that price point you can cover the costs by skipping on the insurance. They will also link illnesses that aren’t connected to claim they’re pre-existing. They linked a pre-existing ear infection, that was treated, with a new skin infection on my dogs feet. Two different areas, two different infections from different causes, but they linked them and won’t cover the treatments. It’s a scam. Don’t get it.
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5

out of 5

POSTED: | BY: Kandy Hays

Quck and Easy to follow process

Claim process was so easy and quick. The claims form and insturction we very easy to understand and promts were easy to follow to complete the submission.
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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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