Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,991

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.
3

out of 5

POSTED: | BY: Peggy Lucero

Lack of communication

I asked for estimated coverage twice and didn’t get answer. Called no answer. Didn’t know wellness was going to be used for coverage. Kind of ridiculous that cleaning teeth isn’t covered as health expense since her gums were swollen.
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5

out of 5

POSTED: | BY: Marsha Morrison

This is how insurance is supposed to…

This is how insurance is supposed to work! Our dog suffered traumatic injuries and for over a month we dealt with hospitalizations, surgeries, medications, etc., at great expense. Embrace processed our claims promptly and reimbursed our covered expenses quickly. We really appreciate the excellent service.
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1

out of 5

POSTED: | BY: Nicole Fimiano

Submitted first claim on 8/1

Submitted first claim on 8/1. It has been very difficult. Embrace keeps requesting doctors notes from the previous 12 months. There are NO doctors notes. Giving me the run around for nothing.
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5

out of 5

POSTED: | BY: Julie Meyers

Embrace Pet Insurance responded right away!

Embrace Pet Insurance responded immediately when I had to make a claim and the check was in the mail within a week! Great service!
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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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