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: Justin Stanley

Embrace has really saved my dog.

While I did have to jump through a lot of hoops to get my dogs condition covered, it was ultimately covered and things have been great since.
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1

out of 5

POSTED: | BY: Emily

Just horrible Insurance company

Just horrible Insurance company - Paid $160.00 a month for just aggravation when it came to filing a claim - I recently filed a claim for a growth that appeared on my dogs neck. The vet emailed Embrace the required info - they then asked again, even though it was sent to them. The final straw was when they required info from a vet I had not seen in three years asking for health history. Seriously? For a $350.00 vet bill? Will continue to use Spot insurance - they require very little info and process the claims quickly.
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4

out of 5

POSTED: | BY: Thomas Fee

Fairly quick response

Fairly quick response, especially for Embrace.
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5

out of 5

POSTED: | BY: LouAnne Bachert

ease of submitting claim

ease of submitting claim
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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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