Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Anita

Premium rises every single year exorbitantly

I have had the insurance for several years. It started out at $55 a month and it is now $165 a month over 5 years. It just keeps going up and up. It's really wrong!
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4

out of 5

POSTED: | BY: customer

Your choices for diagnosis is very…

Your choices for diagnosis is very incomplete. I can rarely find the problem for which we bring our dogs to the vet. Please add more.
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1

out of 5

POSTED: | BY: Bradley Nelson

Embrace seems to regard symptoms as…

Embrace seems to regard symptoms as conditions. If your dog has vomited before then they will not cover the vet cost if they vomit again no matter if it's for an entirely different condition. And my dog wasn't even vomiting. It was determined that she has acid reflux so she was making a gaging sound but not vomiting at all. But embrace thought that was close enough to vomiting so they wouldn't cover our claim.
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5

out of 5

POSTED: | BY: JOE

Pet Insurance

Easy to use…great coverage for the price!
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5

out of 5

POSTED: | BY: Marta Miranda

Claim Submission made Simple

Truly simple process for submitting claims. Very satisfied to date
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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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