Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Kathy Lane

Embrace Pet Insurance cares about its subscribers!

When you have a medical problem for your pet, the worry and stress is compounded by many things. Embrace Pet insurance is always efficient and that relieves some of the financial concern. The associates are kind hearted people and they seem to really care about your animal and the family.
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5

out of 5

POSTED: | BY: Great Dane mom

FAST & easy process.

FAST & easy process.
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5

out of 5

POSTED: | BY: Val

Thank you Embrace for always answering…

Thank you Embrace for always answering my question and completing my pets medical claims in a timely manner!
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5

out of 5

POSTED: | BY: Sanders M.

Every time I submit a claim

Every time I submit a claim, I've been impressed with professionalism of the staff as well as the processes and procedures they have in place. Highly recommend Embrace Pet Insurance!
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1

out of 5

POSTED: | BY: Sara Thompson

Denying claims

Denying claims, even though documentation was presented, along with letter from veterinarian disrupting their denial. Seems to be like every other insurance company - always looking for an out. We have 2 other pets on their plan and now looking to go elsewhere. Wish we hadn't switched in the first place.
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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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