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.
5

out of 5

POSTED: | BY: C. Marmaros

Ease of Online Claims Submission

Your claims submission process is so user friendly and stress free. Thank you! I wish all insurance companies worked like this.
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5

out of 5

POSTED: | BY: Eve

Their claims process is quick and easy

Their claims process is quick and easy! It helps me immensely with my two cats with not having to worry about an emergency.
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5

out of 5

POSTED: | BY: Rachel Reed

Absolutely the best pet insurance

Absolutely the best pet insurance. Easy website, wonderful customer service, quick and painless.
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5

out of 5

POSTED: | BY: Wale

The staff regardless of who I deal with…

The staff regardless of who I deal with in professional, kind, attentive and well versed. I get the help I need and its a quick and enjoyable experience.
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1

out of 5

POSTED: | BY: Thomas McCarthy

Save your money. They find ways to not cover

They conducted a review of my dog’s history and found that one of her legs had hind limb. They said that leg can’t be covered until it has had no issues for one year which we had no issues with it. But, when my dog had to get an X-ray on a different leg they declined to cover anything. They said it was because of the hind limb on a different leg which wasn’t the one getting X-rayed. Also, when my dog needed a medication for allergies they would not cover anything. Then I received a coverage renewal email explaining they are going to increase my coverage cost by an additional $20 a month. Not worth it. We chose to cancel and put the money we use for the insurance into a savings account for our dog to use when she visits the vet.
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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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