Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,862

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: Rick Pernell

Very straightforward and HONEST

Very straightforward and HONEST pet insurance. Willing to work with clients to ensure they get the most bang for their buck. Extremely happy to renew each and every year.
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2

out of 5

POSTED: | BY: Frank Speaking-Out

They Increased My Renewal By 46%

Once you actually reach a representative the service is great! My issue with this company is that they rose my renewal rate by over 40% and I am not going to give my business to any company that does that from one year to the next, especially in this economic environment. They're greed cost them my business.
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5

out of 5

POSTED: | BY: Marilyn Johnson

I just submitted a claim

I just submitted a claim, very easy process online. I will update as the claim is processed, but so far I'm very impressed with the ease of the process.
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4

out of 5

POSTED: | BY: Judy Johnston

Quick

Quick and easy but site a little slow
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5

out of 5

POSTED: | BY: Julia

Surprised by the ease and efficiency.

First pet insurance we have had, even after 30 years of pets. Thought we would have it for catastrophic need, but decided to file for smaller (but expensive) procedure. Was VERY pleased with the ease of filing, and the promptness of our reimbursement.
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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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