Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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.
1

out of 5

POSTED: | BY: Christopher Biek

Waited months and months for a medical…

Waited months and months for a medical review while I continued to pay premiums. They pestered my vet over and over for the same information. They put all my claims on hold and have now told me that my dog will not be covered for basically anything. My rates went up 300 this year and now I can't even use her insurance. Good luck if you choose embrace.
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1

out of 5

POSTED: | BY: Ashten Haken

No re

I’ve submitted a question regarding my claim and have not heard back yet. My dog had to go in for a broken toe nail and my claim came back not covering the portion of the bill for the toe nail removal which was the only solution for the injury.
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5

out of 5

POSTED: | BY: Tom

Great service from the rep

Great service from the rep. The company thru the years has been fantastic.
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5

out of 5

POSTED: | BY: Daneliz Molnar

Very easy to file your claims and you…

Very easy to file your claims and you usually have a response within 2 weeks. Very user friendly phone application as well.
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5

out of 5

POSTED: | BY: Wenyue Zhang

Case solve very fast!

Case solve very fast!
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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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