Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Sharon C

Long time happy customer

Long time happy customer My cavalier has been covered by Embrace since puppyhood. He's now 12 years and it's been quite the ride: he's a wonderful dog with lots of medical problems over the years. I've been very happy with the coverage Embrace has provided for his emergency care.
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5

out of 5

POSTED: | BY: Rancho Santa Fe

Embrace makes it so easy

Embrace makes it so easy. I will always use Embrace for all my pets. Rarely are there any rejections. We live in a very rural place my dog is always getting hurt. So we embrace Embrace pet insurance. Thanks for your love.
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5

out of 5

POSTED: | BY: Katherine Emert

The ease in submitting the claim

The ease in submitting the claim. Easier than doing anything for humans.
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1

out of 5

POSTED: | BY: juanita

Embrace did not cover all the claims I…

Embrace did not cover all the claims I submitted for my pet Peanut who is now dead. She was diagnosed with a tumor that ruptured in her ear. I submitted a precertification for a catscan procedure for them to find out how bad was the tumor. This procedure was also denied by Embrace.
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5

out of 5

POSTED: | BY: William Pagonis

easy to follow submission process

easy to follow submission process. if i have an issue , i just call embrace for guidance
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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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