Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,001

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: Linda

Knee surgery

While playing with her brother our dog sustained a torn CCL and torn Meniscus. It cost $4700 for preliminary exams, meds and surgery. After our deductible we receive reimbursement for 80% within one week of surgery.
5

out of 5

POSTED: | BY: RHONDA

"The communication and updates received on our claims was helpful and we felt that you cared."

Grateful!
5

out of 5

POSTED: | BY: D.

Very straightforward process, coverage was as expected

We made the decision to get pet insurance for both our very active dogs. The thinking was that if one of them hurt their leg, repair work might be expensive, and insurance would be an inexpensive way to take care of that. As it turned out, the company is very quick to pay out claims. The process is pretty straightforward. I have already recommended the company to a friend of mine. I think they offer a fair price for unforeseen, expensive treatment.
5

out of 5

POSTED: | BY: carrie

Billing issue

Great company, highly recommended
5

out of 5

POSTED: | BY: L.

One of the easiest to work with

I work for a vet so have experience with virtually all of the insurance plans- this one is the easiest to send claims to- and the service thus far has been great.
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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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