Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Mary Ann

Totally awesome company,

Totally awesome company, My fur baby was very sick with pancreatitis and when I took her to the veterinary clinic, it was a total relief not to worry about the cost, I just told them do what needs to be done. I sent them a photo of the bill and in a few days I was reimbursed my 90%, it cost me. 100.00
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5

out of 5

POSTED: | BY: Shawn Simmons

Simple claims submission process from…

Simple claims submission process from website.
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3

out of 5

POSTED: | BY: Diane Schmidt

When I signed up they requested my dogs…

When I signed up they requested my dogs history needless to say didn’t know they hadn’t received it until I needed to use their insurance and are unreasonably denying to pay for a lump deemed nothing to worry about from two vets, so now will not cover bumps or cancer this is how they get out of coverage. Very unhappy . Beware
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5

out of 5

POSTED: | BY: Susan Goskowitz Tomka

I just insured our new kitten that we…

I just insured our new kitten that we got and the process was very easy and fast and the cost is nicely laid out , so far I am happy , let’s see after I use it.😃
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5

out of 5

POSTED: | BY: S.A.

Kind Assistance

For financial reasons I needed to cancel my insurance after not using it for years. The customer service rep offered me an extremely reasonable accident insurance change for my sweet cat. Thank you!
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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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