Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Rafael Aldaco

I just got with Embrace

I just got with Embrace. I talked with Jason a Customer Representative for Embrace & he was able to answer all my question. Ask for the unlimited package it's Worth it!!!
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5

out of 5

POSTED: | BY: LAURA

The process for submitting a claim

The process for submitting a claim was quite simple. Thanks so much.
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5

out of 5

POSTED: | BY: Carolynn LaPierre

your staff is so very efficient

your staff is so very efficient in getting back to me for whatever issue I might have, Thank you.
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1

out of 5

POSTED: | BY: bosswell

Apparently Embrace does not deal with certain emergency rooms for your pet. I’m finished.

I submitted my first claim after almost 2 years of Embrace Pet Insurance and they told me the emergency hospital. I took my dog to with a $400 bill. They don’t deal with that hospital. What the heck is that all about? I am definitely switching insurances and if you were smart, you’d read the fine print. I’m done.
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5

out of 5

POSTED: | BY: Dane

The claims process was clear

The claims process was clear, easy, and only took a few moments. Nothing baroque or opaque about his. Really so happy!
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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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