Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,853

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: Nancy johnson

My dog Ginger got hit by a car and the…

My dog Ginger got hit by a car and the bill was outrageous. Thank God I had embrace insurance. I submitted the bill to and they took care of everything for me. Within a week, the check was in the mail, and then I had more bills to submit to embrace and The payment was there in three days in my account. I recommend embrace to everyone I talk to if they need Pat insurance for their animal like me.
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5

out of 5

POSTED: | BY: Samuel Loy

Very easy to submit claim

Very easy to submit claim
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5

out of 5

POSTED: | BY: Tamara

Embrace Covers Chemo Treatment

There are so many horror stories about pet insurance out there, but we have only had positive experiences with Embrace. Our dog is going through cancer treatment right now, and I was so concerned that something would go wrong with insurance... But Embrace has been covering the costs as expected! Their customer service staff is wonderful and claims are processed within a couple weeks.
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3

out of 5

POSTED: | BY: Bonney Benson

Pre-Existing Condition

I am still on the fence about this company. I do have to give them credit, they are very thorough in their investigations. They are quick to deny claims when they are pre-existing, when you are trying to find out what is a re-occurring problem with your pet without going to labor extensive and expensive tests on your furbaby.
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5

out of 5

POSTED: | BY: Daniel Riordan

So very helpful with Getting what you pay for…undoing an error…

So very helpful with undoing an error on “my part”, thank you so much!
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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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