Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

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: Jewelie's Mom

It's so easy to file a claim

It's so easy to file a claim! Our dog has been insured with Embrace for 11 years. Embrace has paid every claim we submitted and has reimbursed us thousands of dollars for our chronically sick pet.
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1

out of 5

POSTED: | BY: Joe Moffitt

Save your Money find another Insurance

Martin was diagnostic with heartworm disease in december. He was a rescue and he didn't test positive until he was one year old...So, we have had Embrace for a year now, they make every claim difficult. They keep asking for medical records they had at the time of applying for the policy and ask for his medical records prior to when we adopted him. So far they have denied every claim. I am going to let this last claim run its course. If they still denied it I just going to cancel both Martin and Meyers policies.
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5

out of 5

POSTED: | BY: Thaís Nobre Silveira

Website is easy to submit a claim and…

Website is easy to submit a claim and navigate
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5

out of 5

POSTED: | BY: Jenn

Nothing yet but hoping for positive…

Nothing yet but hoping for positive experiences!
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5

out of 5

POSTED: | BY: Emary Mustain

Great insurance company so far.

Great insurance company so far.
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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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