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.
2

out of 5

POSTED: | BY: Liza Diaz

Misleading quotes

To all consumers, please be sure to verify your policy prior to any surgical procedures. My dog had a tooth extracted due to an injury sustained in 2015. I was given a quote based on my pre certification carefully filled out by MD. After all the hidden fees and deductions I was responsible for, I received a reimbursement of only 40 percent of my original quote. Please do not find yourself mislead by pre certification quotes that do not justly represent the actual amount you will pay.
5

out of 5

POSTED: | BY: Phyllis Jones

Quick response to claims, great communication and coverage of both my dog’s!

I have two dogs with coverage, one is a 10 year old Golden Retriever who was diagnosed with Lymphoma. Embrace handled my claim quickly and efficiently. The coverage was exactly what the policy read. I also have a new addition, a 4 month old American Eskimo. Again, Embrace has handled her wellness claims the same. I would definitely recommend Embrace to anyone! ❤️🐾🐾
5

out of 5

POSTED: | BY: Mary Catanzaro

Great insurance, great value!

I would recommend this insurance to anyone who loves their pets but hates paying Vet bills !
5

out of 5

POSTED: | BY: Mary Hasenohr

It was a pleasant experience.

Very Impressed with the level of service and ease of claim submission.
5

out of 5

POSTED: | BY: Evelyn Nunes

Very efficient

There have been only a couple of times I had to submit a claim. Which is good also because my deductible was reduced. The claims were submitted by the vet, they fill out a simple form and fax it for me. I got an email confirming it was received and then one with the explanation and amount I was getting back. It was super fast and clear, no surprises. I've had embrace for 5 years and only had great experiences with it. The plan increases annually, but I'd say that's the norm.
Please leave a review

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.
Provider website

Get a quote today

Leave a review