Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,988

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: H. Wermuth

Miss deadline for claim and you are out of luck.

Over 8,000 dollars spent over the life of my dog. Missed submission deadline for claims due to illness and other problems in my household. So, no reimbursement.
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5

out of 5

POSTED: | BY: Albert Laser

Easy to submit a claim

Easy to submit a claim
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5

out of 5

POSTED: | BY: Terry

Prompt response

Prompt response and payment. Very cooperative. No bickering over payments. Money is quickly deposited into my bank account.
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5

out of 5

POSTED: | BY: Betsy Aird

It was much easier than I expect to…

It was much easier than I expect to submit the claim. I had put off doing it as I thought it would be difficult. It was very easy.
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5

out of 5

POSTED: | BY: Katie Barefield

The service was great

The service was great. Embrace answered my questions concerning my kitten, explained what was needed, and gave me a number to call should any questions or concerns arise. Great experience!
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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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