Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Johnnie Newton

My first claim on a policy held for…Ragamuffin

My first claim on a policy held for several years. No complaints, whatsoever. The submission was painless, all on line, done in just a few minutes. The check arrived in the mail just a couple days later.
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5

out of 5

POSTED: | BY: Michael Valinis

Always satisfying

I have always had satisfying experiences with Embrace, whether they be happy occasions like a new puppy’s first visit or something heartbreaking like dealing with a dog’s terminal illness. The fact that all their representatives are themselves pet owners is reflected in the way they can relate with others. On a more practical note they are always finding ways to see that my coverage gives me the greatest benefit, something I greatly appreciate.
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1

out of 5

POSTED: | BY: Karen Martin

Don't waist your money

Don't waist your money. Insured a puppy at 10wks. No health issues, followed the policies. They paid absolutely nothing out of 2 claims.
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5

out of 5

POSTED: | BY: Brenda Kirby

Excellent website

Excellent website, making it easy to submit vet bills and receive coverage. Has been very helpful and the insurance is well worth having.
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5

out of 5

POSTED: | BY: Arthur Ava Polan

Excellent claim service

Excellent claim service. Fast claim payment. A great company
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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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