Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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.
3

out of 5

POSTED: | BY: Raymond

They avoided the issue by saying they couldn't find the account! When I call,Nick finds it immediately

They lump several different conditions in one group to keep from covering the claims. They slow pay simple claims like meds and prescription dog food. And delay paying by requiring additional info from vet already submitted. I researched all insurance company and thought they were the best. I'm reconsidering and might redraw my endorsement to over 500 pet owners in my group.
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5

out of 5

POSTED: | BY: Jan Rosenthal

Easy claim submission

Easy claim submission. Fair review and coverage.
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5

out of 5

POSTED: | BY: Daniel Kraft

Had a great experience so far.

Had a great experience so far.
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5

out of 5

POSTED: | BY: Ellen Blodgett

I was calling Embrace to find out if my…

I was calling Embrace to find out if my dog's upcoming appointment would be covered .I was assured it was . I was even told the correct and simple procedure .Thank you Embrace for explaining things clearly!
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5

out of 5

POSTED: | BY: Mary

Great Company!

I love the ease of the process and the speed at which embrace handles claims. They are extremely fair and have covered everything according to the policy. I have such peace of mind with Embrace. If you are looking to purchase a policy, don't think twice about trusting your fur baby to Embrace. Legit, fast, easy process, no hassle with claims. Thanks Embrace.
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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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