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: Dean

Excellent Embrace Embrace pet insurance stands by their…

Embrace pet insurance stands by their policy. Seldom do you find an insurance company that is true to their word & you gets what you’re paying for. My cat became diabetic and it was good to know that they were there for me. They processed my claims and we’re very friendly on the phone.
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5

out of 5

POSTED: | BY: Shirley Busch

Elsa claim

Easy to file claim, rapid processing
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5

out of 5

POSTED: | BY: Patti Hayden

Exceptional service from Embrace

Exceptional service from Embrace. You never know when you will have unexpected out of pocket expenses for your fur baby. Ours had to have dental surgery due to two cracked teeth - oral surgery is pricey. Embrace was right there every step of the way helping us to get our pup squared away. They have just been phenomenal for big and little emergencies!
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1

out of 5

POSTED: | BY: Christina Arellano

I've had the insurance for almost 6…

I've had the insurance for almost 6 months and my dog hurt herself running around outside, the leash wrapped around her ankle and she pulled something in her leg. When I tried to file a claim, Embrace denied it because it was not within the waiting period. This is considered an accident and has a 2 week waiting period. Due to the "type of injury", they said it is actually a 6 month waiting period. They were not upfront about this when I signed on, I cancelled and will be getting my money back. I would not recommend this shady business to anyone.
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5

out of 5

POSTED: | BY: David Hartmann

Outstanding claims submission process

Outstanding claims submission process. Quick, painless, sufficient time to read and comprehend instructions.
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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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