Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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: Leigh Fleming

Can't have a dog nowdays without pet insurance

Thank goodness we have not needed to use this insurance much at all. It gives me peace of mind knowing that if our dog who we love very much has something terribly wrong with her that it wouldn't break the bank. One of the few occasions where I have submitted a claim, we have received reimbursement fast
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5

out of 5

POSTED: | BY: Sheka Rose

worth it

not cheap but company is very personable and care about the work they do
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5

out of 5

POSTED: | BY: C. Jones

Website very easy to navigate

Website very easy to navigate
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4

out of 5

POSTED: | BY: Richard Plough

The flow of the application is good but…

The flow of the application is good but is not designed for a Wellness reimbursement. I called support and the person suggested I submit a claim or email. I don't have the email address so I submitted a claim.
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1

out of 5

POSTED: | BY: Jeffrey Zirulnick

I could not be more disappointed with…

I could not be more disappointed with the delayed response to claims and then receiving an email that my dog now has preexisting conditions for issued that first occurred while insured by Embrace and now told coverage would no longer be provided a scam in my opinion
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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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