Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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.
1

out of 5

POSTED: | BY: Valerie

Everything is considered pre-existing so they don't have to ever pay.

Even when your Veterinarian tells them this claim is not related to any pre-existing condition, and you file an appeal because you know you're correct. They claim to know more than the Vet. (waste of money.) They don't pay for anything, read the policy fine print. Your better off to put the money in the bank. I didn't need them, I have never had insurance, and will never do it again.
5

out of 5

POSTED: | BY: Linda

Great

Embrace has really helped the pocket book. I've had 2 labs insured with them and they have been so great to work with.
5

out of 5

POSTED: | BY: Bill

It works and is very easy to use.

I made copies of the forms for both dogs and the vet sends it in. Easy peasy.
4

out of 5

POSTED: | BY: anett

Quick response & payment - good coverage

Great customer service and reimbursement for emergency services. REALLY put us at ease and gave us the peace to focus on our pet and not worry about the mounting bills. Only criticism though was the sky-rocketed rate increase after
5

out of 5

POSTED: | BY: Pamela

This insurance is outstanding! Customer service is wonderful, processing is quick. Love them!

I am so happy I found this insurance. I can not imagine being without it! They are super!
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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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