Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,997

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: Kathy

This insurance is so quick and easy to…

This insurance is so quick and easy to use and they paid any claims quickly and we’re so kind and thoughtful when my dog ended up dying from lymphoma at only 8 years old.
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5

out of 5

POSTED: | BY: Barbara Kelley Motto

Easy claim submittance

So easy to submit invoices that don't require me asking my vet practice. I so appreciate this
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5

out of 5

POSTED: | BY: Debbie Schug

It was easy quick and customer service…

It was easy quick and customer service response is great!
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1

out of 5

POSTED: | BY: Andrew Hoffmann

Unethical/illegal business practices

Conducted a medical review and acknowledged they did but did not annotate any preexisting until I made a claim. Per mr Caldwell “ We request medical history from any clinics that we were told about at the end of your pet’s waiting periods even if a medical history was not requested. Zelda’s policy started on 6/25/19, her illness coverage was active as of 7/9/19, and coverage for orthopedic conditions started 12/25/19.” I sent Mariah Gunther the documents and she did not process it back July of 2019.
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5

out of 5

POSTED: | BY: Katherine

Year in Review

Year end always makes me reflect on the ups and downs. Embrace is a definite Up. Great, helpful, smart, knowledgeable staff. Happy Holidays. Katherine Iverson
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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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