Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,857

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: Michael

Great service!

I've used your company for my dog for more than a year and I could not be happier with your service: Fast, easy and friendly. You set a fine example for other insurance companies and I appreciate it very much.
5

out of 5

POSTED: | BY: Charles Frank

Fast

Fast, effective and compassionate Thank you for all
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1

out of 5

POSTED: | BY: Jean Beltz

They Dont cover crap...

I got this insurance a few months before my dog started acting funny, took him to the vet and they determined they had to take out one of his glands. I went to my "insurance" and said hey im past the introductory period so my insurance has kicked in per the email they sent me verifying that insurance was ready and then they told me, "Sorry we cannot cover this 2800$ bill because your dog was taking antibiotics for a skin irritation he had 4 months before i got the insurance. Somehow a skin irritation and a gland inside the body are relative to them not having to pay for the surgery. Their insurance is a waste....
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5

out of 5

POSTED: | BY: Melissa Miller

Easy to submit claim

Easy to submit claim
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4

out of 5

POSTED: | BY: Benjamin Castro

Submitting the claim is easy

Submitting the claim is easy. The problem is that I am never contacted to be informed of the resolution of claims. We should be informed if the claim was accepted and what the status of reimbursement, if any, is.
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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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