Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,744

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: Randy Delfs

Finn

I debated whether or not to get insurance for Finn (my new yellow Lab pup). It turns out Finn had an accident and needed steel plates put in both knees. The cost of surgery was almost $15,000.00. I only had Embraces insurance for a few months and was worried Embrace would not cover it. I was so wrong. To my surprise, Embrace coved the entire amount. I would highly recommend Embrace Insurance to anyone who has a dog. Thanks Embrace.
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5

out of 5

POSTED: | BY: jagger click

Great customer service

Great customer service! Was very helpful and knowledgeable about setting up my cats insurance. I am having difficulties with the website on my phone, but other than that, great team.
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1

out of 5

POSTED: | BY: William Mckenzie

Every time I submit a claim with…

Every time I submit a claim with complete photos, it is always delayed because you ask for the same exact information I sent you. The last claim took two weeks, and I submitted it three times. It is always a simple prescription refill, same provider, same pharmacy.
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1

out of 5

POSTED: | BY: Dante Meza

I paid for a full year the insurance

I paid for a full year the insurance. When I took my dog for his yearly revision it was not covered. I sent the bills and although I was paying for the insurance at the time I did this studies, they argument I sent the claim too late. I wouldn't recommend anybody using this insurance. There's much more out there.
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5

out of 5

POSTED: | BY: Stacey

Happy to have it when I needed it

I have had this insurance for a few years but thankfully this was the first time I needed it. My cat developed an upper respiratory infection and filing a claim for the bill was easy using the app. The claim was reviewed quickly and the refund status was also processed quickly.
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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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