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: Chase

Horrible

we read on your site that you pay out 95% of your claims, somehow I ended up in that 5% you didn't pay out. we went into Oradell to find out one issue that wasn't there before and found more issues that didn't exist before we brought him there. but as long you keep your money that's what matters. I promise you I will never recommend you to anyone and will do everything I can to make sure everyone sees what a scam you are. we had plenty of vet bills and visits to show he didn't have these problems before our rush to Oradell. so thanks for adding to our heart break, since a day after taking him home he had to be put down. awful company that doesn't deserve to be in business.
5

out of 5

POSTED: | BY: Susan

Good but more speed needed

Wish it could have been done in 7 business days.
5

out of 5

POSTED: | BY: J

Thankful since 2007

We are so thankful for Embrace. Has protected our Boston for almost 10 yrs. No idea what we would have done without them.
5

out of 5

POSTED: | BY: Brad

So far so good!

We just started a policy on our little pup and opted for the wellness benefit. I submitted my receipt yesterday and payment was issued today! I don't think I've ever had any type of claim handled so fast.
5

out of 5

POSTED: | BY: Paul

Great service!

Golden retriever has bad hips on x-ray but no clinical signs to date. Vet recommended water treadmill and therapy as a way to postpone or prevent total hip replacement. Claim for PT was paid within 10 days of submittal without any issues or limits.
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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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