Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Linda

Very pleased and very happy!

I was very, very pleased with my experience with Embrace Pet Insurance. I mailed in two claims for the very first time and was pleased with the reimbursement payment that I received for my kitty's vet bill. It was also an very quick response. Good job Embrace! I am very happy.
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5

out of 5

POSTED: | BY: Judy Lambert McKinley

Surprisingly simple filing these claims…

Surprisingly simple filing these claims ~ How delightful! Simple drop-down boxes, clear instructions. If only everything were this straightforward!
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1

out of 5

POSTED: | BY: Benny Carlito

Likely good scam artists

I am giving them one more chance but I know the insurance business and so far they are scam artists and they don't care about pet owners whatsoever.
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5

out of 5

POSTED: | BY: Kathi Oster

Ease of making a claim and amazingly…

Ease of making a claim and amazingly sensitive customer service when my other dog passed away.
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5

out of 5

POSTED: | BY: Sheri Olson

Easy to file a claim and quickly paid.

Easy to file a claim and quickly paid.
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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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