Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,985

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.
1

out of 5

POSTED: | BY: Jim

My 6 month old puppy needed an xray…

My 6 month old puppy needed an xray because we thought he had broken a bone in his leg, they didn't pay it because they had a 6 month waiting period on ortho. He had been to the vet prior and was healthy with no leg injury. Not the first time they have looked for an excuse not to pay a claim.
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5

out of 5

POSTED: | BY: Shannon Hazen

I highly recommend Embrace Pet Ins

I highly recommend Embrace Pet Ins. They are reliable and responsive. We are so glad to have them as our pet insurance agency!
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5

out of 5

POSTED: | BY: Millie Chauncey

I love everything with Embrace

I love everything with Embrace. I tell everyone how great they are. I get my money back for claims usually in 3 to 5 days at the most. When my 1 dog died they even sent me a sympathy card. And paid for his "end of life care" (euthanasia). I have 7 other dogs. And everyone is insured with them.
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5

out of 5

POSTED: | BY: Alejandra Valencia

Life savers

Life savers! Thank you!
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4

out of 5

POSTED: | BY: Mirna

easy to submit claims but not enough…

easy to submit claims but not enough diagnosis options
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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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