Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

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: Jeanne Hathaway

Gary was very thorough and explained…

Gary was very thorough and explained how everything works. This is the first time we have had pet insurance. So far we have been very pleased.
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1

out of 5

POSTED: | BY: Gabriel Mateos

Coverage was horrible for the price…

Coverage was horrible for the price paid. The prorated premium was not returned. Hey, Embrace, what will you guys be using my unused premiums for? Hope you have fun at your employee party! You guys are thieves!!
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5

out of 5

POSTED: | BY: Mary Bradford

So far my experience has been good with…

So far my experience has been good with filing claims and reimbursements.
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4

out of 5

POSTED: | BY: Gary E Bowland

Pretty easy to file

Pretty easy to file
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4

out of 5

POSTED: | BY: KaCee

I usually have my Vet submit the claims…

I usually have my Vet submit the claims but they really don't want to do that anymore. Then, I submitted the claim forms via snail mail. Now, I forced myself to learn how to do a PDf and submit online. Will be waiting to see if that is better in reimbursement time. However, I have very healthy AKC bred dogs that haven't had any pre-existing conditions or accidents yet the insurance rates keep rising to the point that retired folks can't maintain it. How about senior discounts?
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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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