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.
5

out of 5

POSTED: | BY: Sheila Whitaker

I have been a customer for many years…

I have been a customer for many years through several pets embrace staff are so helpful and compassionate they even sent flowers after a recent loss they are #1 and they perform reviews of claims quickly and reimburse promptly
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5

out of 5

POSTED: | BY: George

Completing a claim form couldn't be…

Completing a claim form couldn't be simpler.
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1

out of 5

POSTED: | BY: Tiffany Helms

After a heart murmur was found in our…

After a heart murmur was found in our puppy, they decided to state that it was a pre-existing condition. Even after the vet recorded that it was an "innocent" murmur, meaning it won't cause problems, they denied the claim. I've paid thousands in premiums over the years for different dogs and I have to say that this is a total waste of money. They're horrible.
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5

out of 5

POSTED: | BY: Solina Sanchez

Honestly the best!!!

Honestly the best!!!! They were very transparent with the coverage and how the amount was calculated.
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5

out of 5

POSTED: | BY: Laura Respecki

Very easy to submit claims

Very easy to submit claims. Don't ignore the occasional newsletter emails they send either. They have helpful tips and tricks.
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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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