Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Janis Ritter

Medical issues with our cat…

My cat has had some medical issues going on recently. Embrace has been very good about reimbursing us for the expenses. We are very grateful to have this pet insurance.
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5

out of 5

POSTED: | BY: Susan

The speed of completion of claims.

The speed of completion of claims.
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5

out of 5

POSTED: | BY: Jennifer

friendly and deliverable

friendly and deliverable
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1

out of 5

POSTED: | BY: Lori Bell

Claim processing and payment is terrible!

I have been waiting six months for my claims to be processed and paid out. My cat had to see a dermatologist back in March. It is now September! They have everything they need to process these claims but still nothing has been paid!
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5

out of 5

POSTED: | BY: Donna

Haley was a great help filling in the…

Haley was a great help filling in the form as my diagnosis was not listed. All in All Process is very straight forward & easy.
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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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