Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,922

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: Danielle Mayrberger

I called to cancel my plan and was…

I called to cancel my plan and was subsequently hung up on when I told the representative that everything is a pre-existing condition according to their underwriters as that was my response to her telling me that any new insurance company I select will do the same thing.
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5

out of 5

POSTED: | BY: Tracey M

Embrace Pet Insurance is the real deal

Embrace Pet Insurance is the real deal. My dog had to have emergency surgery for bladder stone removal after being diagnosed with a urinary tract infection. I received an invoice from the vet for the initial visit and another invoice for the surgery. I submitted the invoices on Embrace's website and 2 business days later they issued 2 checks and dropped them into the mail. I couldn't be happier with this company. : )
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5

out of 5

POSTED: | BY: B Ward

Easy and straightforward process!

Easy and straightforward process!
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5

out of 5

POSTED: | BY: Philip Cestaro

excellent insurance and simple to file…

excellent insurance and simple to file claims
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1

out of 5

POSTED: | BY: Oz

No matter what I don't get approved

No matter what I submit for a claim, Embrace finds a reason not to pay out what they promise. I have invoices, documentation, EMAILS directly from the vet explaining what is diagnosed yet I still have nothing. I'm not happy and not renewing, it's a waste of money.
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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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