Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Luis

I am very satisfied with my 13 years…

I am very satisfied with my 13 years with Embrace pet insurance. Quick response, easy to work with , easy to file claims and great customer service.
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5

out of 5

POSTED: | BY: Beth

Could not be easier or faster

Could not be easier or faster. Excellent! Thank you so much!
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5

out of 5

POSTED: | BY: Bruce

The online claim was processed quickly…

The online claim was processed quickly and the so was the reimbursement!
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1

out of 5

POSTED: | BY: tatianna gilliam

Will not cover anything for senior dogs…

Will not cover anything for senior dogs who haven’t already been covered. You’re better off starting a savings for the emergencies. Update ( 8/16/2022) I also tried asking questions for clarification on what exactly was covered and was only told I can only be told what's not, which is everything I went to the vet for. So, spare me. I just wasted $1600 on a policy that covers nothing!
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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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