Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: oldsarge scouts out

Profit over Pets

My 6 year old Newfoundland required surgery which cost $4000 to repair a defect in his throat; Embrace denied the claim because he was once seen for a cough; calling laryngeal paralysis a pre existing condition. Now they want to increase my premiums in May; the anniversary of the policy.
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5

out of 5

POSTED: | BY: Tomas Carrasco

Embrace is an excellent service to…

Embrace is an excellent service to have. My cat Duke was an outdoor cat and loved to roam around. He got into a few scuffles and I had to take him to the Vet. Embrace made it easy and quick to get reimbursed for Dukes vet bills. I just recently had to put Duke down, Embrace processed my claim quickly and seamlessly. They even sent emails and messages to my Account Center with words of condolences. I would highly recommend them to anyone looking for peace of mind for their fur babies. Their plans are very affordable and well worth it.
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5

out of 5

POSTED: | BY: CAROLYN JONES

The site makes it so easy to submit a…

The site makes it so easy to submit a claim. I am so glad I have this insurance for my dog!
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5

out of 5

POSTED: | BY: rosa mcnMaceil

Easy to do claims and fast service

Easy to do claims and fast service
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5

out of 5

POSTED: | BY: Joyce

Claim process

Quick and easy process to file a claim, pending payment.
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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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