Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,771

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: Bradley

One adjuster disapproved one claim based…

An adjuster disapproved one claim based on a previous mast cell tumor stating that in the fine print all future masses were not coverd as it's a pre-existing condition. Did you know that 65% of all Goldens get cancer and that 'Breed' is also a pre-existing condition as well as you taking my premiums each month? Indicating to me that the dog is protected?
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5

out of 5

POSTED: | BY: Hannah Ohman

Wouldn't go without it.

I've always had a great experience with Embrace. There have been no issues paying for my pet's vet bills and getting fast reimbursement from Embrace. My cat got diagnosed with cancer and her medical bills have been mostly covered for the entire year of her treatment so far. It's literally life saving coverage. I don't know what I'd do without it!
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5

out of 5

POSTED: | BY: Patricia Wilde

Excellent experience

All of our claims have been super easy to submit and quickly and correctly processed. This last round was submitted on a Sunday, all processed and paid by Wednesday afternoon. Well done!
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5

out of 5

POSTED: | BY: R. Jackson

Filing a claim is very easy and I…

Filing a claim is very easy and I received my payment in less than 48 hours!
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5

out of 5

POSTED: | BY: Richard Siemon

Fairly quick response for submitted…

Fairly quick response for submitted claims
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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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