Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Coleen

We got a new puppy and put her on our…

We got a new puppy and put her on our Embrace pet policy, which we also have on our other dog. she had an incident with vomiting at the beginning of the policy, and they put an exclusion on her policy, which I disputed, and Embrace was very good at looking at the situation much closer and removing that exclusion. We have had our other dogs on policy for three years and have had absolutely no problem. They are very prompt with our submissions and when we call, we always get a very knowledgeable and professional person. I would highly recommend Embrace pet insurance.
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1

out of 5

POSTED: | BY: DGarcia

Waste of money

Waste of money. It doesn't cover anything, and they are more expensive than other carriers.
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5

out of 5

POSTED: | BY: Sam Messer

The claims process is easy.

The claims process is easy.
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5

out of 5

POSTED: | BY: Tim Boggs

Excellent Insurance for my girls

I thoroughly appreciate being afforded the opportunity to have insurance for my girls, Ginny and Molly. Ginny is a user of the insurance so we definitely get our moneys worth. I would highly recommend Embrace to anyone who is able to afford it. Easy claims submissions, easy to read EOBs, and quick claims turnaround.
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5

out of 5

POSTED: | BY: Eileen Stensrud

Filing the claim was so easy!

Filing the claim was so easy and it was handled expeditiously and to my satisfaction.
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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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