Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,923

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: Kevin H

Quick and Fair

Our Pit-Lab mix dog Coco has been insured by Embrace Pet Insurance since she was 6 weeks old. She was given a clean bill of health, and after the required waiting period, she has had full coverage up to $10,000. At the age of 3, Coco was diagnosed with Exocrine Pancreatic Insufficiency, a genetic disease that can be treated but not cured. The treatment is over $500 per month, but Embrace has been paying 80% of that cost continuously since she was diagnosed. My rates have not risen any more than a healthy dog, and they have never refused a claim.
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5

out of 5

POSTED: | BY: Sandra Bixler

Fast and easy to submit claims

Fast and easy to submit claims
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5

out of 5

POSTED: | BY: bill rouse

Your employees are your best…

Your employees are your best Ambassadors for your business. They ROCK!!!!!
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5

out of 5

POSTED: | BY: Gulliver

Submitting a claim

Just had to submit a claim. My dog ate a corn cob. The website is very easy to work with and Embrace customer service is excellent
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5

out of 5

POSTED: | BY: Janet Schaefer

Submitting a claim was way easier than…

Submitting a claim was way easier than I expected.
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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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