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.
5

out of 5

POSTED: | BY: Donna D

Best pet insurance ever

Best pet insurance ever! The claims are so easy to file. The reps send emails to give you updates on claims. Always a personal note from agent . Makes everything so much better when you have a sick pet. Thank you.
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1

out of 5

POSTED: | BY: MH

It's like they don't trust the customer

It's like they don't trust the customer. File a claim and it could take weeks to get approval. Last claim I filed, they asked for the Dogs history all reports not just the one I filed and all Doctors records including notes.
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1

out of 5

POSTED: | BY: Katherine Houston

Very dificult to deal with, very little return on your money

i pay monthly for my two border collies, I finally tried to use the insurance with a claim for both dogs, my vet sent them required paper work which they said they did not get, I got it from the vet and sent it in 3 separate times, they paid a very small amount for 1 dog and then claimed they didn't get paper work for the second dog. Not worth the hassle do deal with this company
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5

out of 5

POSTED: | BY: Wall Joan

Ease of use and good service.

Ease of use and good service.
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5

out of 5

POSTED: | BY: Allison Harvey

Very quick at reimbursement.

Very quick at reimbursement.
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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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