Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,854

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: Jeanine

Extremely disappointed

Extremely disappointed! I’m over $600 in vet bills and you are telling me everything is a precondition! I don’t think you even looked at the Dr’s reports. Obstruction in the lower intestine is not and was not a precondition from October 2022.
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5

out of 5

POSTED: | BY: Maggie's Mom

Easy Peasy

Great website and easy to file a claim from my computer! Good email reminders of renewal date.
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5

out of 5

POSTED: | BY: Janet Limitations

Excellent service

Excellent service , great value, expeditious handling of claims.
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5

out of 5

POSTED: | BY: Kelley Young

Easy claim submission

Easy claim submission
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1

out of 5

POSTED: | BY: Xiao Xu

Not trustworthy

They just decided to double up the premium in the second year despite we have never filed any claim or made any use of this insurance. Possible scam. And for sure the only way to cancel the plan is to call their customer service which is experiencing high call volume all the time.
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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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