Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,791

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.
1

out of 5

POSTED: | BY: Susan

Waste

All kinds of glitches. Also paid thousands into this policy over the years to be told the big emergency ending in death was a preexisting condition and wasn't covered. So basically anything ever wrong with your dog at the end is preexisting
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5

out of 5

POSTED: | BY: Christina Suter

We have been been Embrace for years and…

We have been been Embrace for years and they are so easy to work with. You submit claims on line and they pay all of them!! It is rally great we have a dog that eats everything and has a allergies, They are really just the best insurance company I could have gotten.
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5

out of 5

POSTED: | BY: Nancy Levine

Easy to use app

The app is extremely easy to use. Claims and follow up are handled very timely.
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5

out of 5

POSTED: | BY: William Stiles

Claims submission was easy

Claims submission was easy. Claim processor accurately and fairly evaluated all of my 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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