Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,867

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.
2

out of 5

POSTED: | BY: Lori Parker-Gladstein

I was to receive 2 partial…

I was to receive 2 partial reimbursement checks. I only received one. I will be researching other pet insurance companies and quotes.
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5

out of 5

POSTED: | BY: Courtney

Claims and processing are seamless!

Claims are easy to submit, and processing is quick and seamless. After meeting my deductible, Embrace covered my recent urgent care visit without issue. I am really happy with my policy and with Embrace’s customer service/communication.
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5

out of 5

POSTED: | BY: Gloria Shackelford

I recommend Embrace pet insurance they…

I recommend Embrace pet insurance they always be so helpful and answer all the question I have.
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5

out of 5

POSTED: | BY: David Samuel

Super easy and helpful!

Super easy and helpful!
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2

out of 5

POSTED: | BY: Janet Knight

BUYER BEWARE - Read fine print in policy!!

Be careful of what this company means by pre-existing conditions. Example: if your animal is born with a genetic condition that can be seen or observed before you purchase this policy BUT can not be treated until the animal is larger for corrective treatment to be effective (e.q. eye problem) - It Will Be Considered a Pre-Existing condition even if it is genetic and will NOT be covered Because, you can see it before you purchased the policy. And the wait periods are much longer then stated on their website - e.q. if your dog has had parasites in the last year ,via their extenstion review by claims adjusters, you can have up to a 12 month exclusion for parasites as pre-existing clause terms.
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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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