Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Arlene Terranova Scerbo

the diagnosis drop down does not have…

the diagnosis drop down does not have all information. Need to add to drop down vaccinations etc.
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5

out of 5

POSTED: | BY: DB

Good service

Your service rep was on the line quickly and was able to answer my questions within a couple minutes.
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4

out of 5

POSTED: | BY: Amanda Hernandez

Submitting a claim was fast and easy

Submitting a claim was fast and easy. you can upload invoices and easily choose the reason for your claim. The processing and payment take longer than desired but is conveniently sent via direct deposit. I have had this policy for about 3+ years and love it.
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5

out of 5

POSTED: | BY: Mike McKim

Fair and easy to work with.

Fair and easy to work with.
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1

out of 5

POSTED: | BY: Meredith Wojciechowski

When I signed up they did a full review…

When I signed up they did a full review of my pets records. I was told they would cover cancer. I had the policy a year and when I needed it because my boxer was diagnosed with cancer they did another review and said it was a pre-existing condition. I asked for a refund since I have been paying a year and they said no they couldn't do that.
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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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