Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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.
3

out of 5

POSTED: | BY: Chris Gardner

I like that the claims do get paid

I like that the claims do get paid, but I'm put through so much to get them paid. It is a lo of back and forth to get to the final result.
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5

out of 5

POSTED: | BY: Marilyn Robles

Very simple and easy

Very simple and easy
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2

out of 5

POSTED: | BY: Robert Lipp

Overpriced

Too little payment, after $84.00 a month for 6 years I had an emergency with my fur baby. I was reimbursed $76.00. I am cancelling my coverage ASAP!!! Other companies offer same coverage for half the price
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5

out of 5

POSTED: | BY: Dale McGeever

trust this pet insurance company.

easy to file claims
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3

out of 5

POSTED: | BY: Thomas Franklin

I have no problems with the service…

I have no problems with the service offered. I got this through USAA as a retired Veterian. My displeasure was to find out that after having the coverage for 1 year, my policy renewed and the price went up from $74.68 a month to $100.43 a month. Seems like we gotcha so can increase without notification.
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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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