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: Lisa Ann

I have had Embrace Pet Insurance for…

I have had Embrace Pet Insurance for several years and I have had many more problems than processed claims. Don’t get this insurance if you take in a stray or adopt from a shelter (I don’t get my pets anywhere else). Because the animals don’t have 12 months of records, anything that goes wrong, even after the advertised waiting period, will not only not be covered, but Embrace will extend the waiting period through the date of your pet’s first illness and consider whatever was wrong pre-existing. Then, you will be blamed for not reading the fine print, just their advertised policy provisions.
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1

out of 5

POSTED: | BY: Diane Glasgow

The worst company I have worked with…

The worst company I have worked with the policy is not explained at all. I cancelled my policy 3 months ago and today I got a call from a bill collector saying I owed $200. I have gotten no emails or bills in the mail saying I owed them anything highly upset.
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5

out of 5

POSTED: | BY: Deette Hundsrucker

Quality pet insurance company.

I filed two claims this year with Embrace Pet Insurance. One was for a surgical procedure for my dog, and the other was for an illness and testing for my cat. Both times, receipt of the claim was acknowledged within a day or two, and payment authorized within a week, along with receipt of payment for covered expenses in a timely manner. It gives me peace of mind knowing I can afford to give my pets quality care with the help of this company.
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5

out of 5

POSTED: | BY: Sherry Tauber

Easy online claim portal

Easy online claim portal
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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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