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: Joanne Latko

Nothing but positive experiences with…

Nothing but positive experiences with this company. Had 3 pets covered with a substantial refund when Brucie unexpectedly passed away. All claims covered without problem Could not ask for a better insurance
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5

out of 5

POSTED: | BY: Roy Degenstein

Customer service is great

Customer service is great, I had no issues. Walked me through on how to use the app and took care of any questions or concerns I had.
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1

out of 5

POSTED: | BY: Patrice Gilles

This insurance is a scam! beware!…

This insurance will do anything and use any excuse to not pay claims. We have an adopted pet that was abused. So, they denied a claim for his allergies that he developed later due to the grass type in the yard. They decided that it was a pre-existing condition because they “ found lesions” in the vet report from the rescue. We appealed and our vet wrote a letter saying that the lesions were not allergies but due to abuse. Then , they said that he was viewed by our vet 2 days before the back out period!! All of that of course without talking about the premium increase! My daughter had 2 pets on the insurance, my son had one and we had 2. We all canceled!! It is a scam. Instead of paying premiums to them, I will put the premium in an account specially dedicated to dog care. No so called pre existing condition on a rescue dog, deductible or co-pay!
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5

out of 5

POSTED: | BY: Nathaniel Bullock

The best pet insurance ever

The best pet insurance ever. You have been taking care of my dog Camelo since he was born.
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5

out of 5

POSTED: | BY: Jack

User Friendly Steps for Claim Submision

Very easy steps to follow for submitting a claim. So much better than having to mail in information.
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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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