Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Suzanne Tamberrino

I’m glad I chose Embrace!

From choosing a plan, to filing a claim, the Embrace experience has been easy. I just filed a large claim for diagnostic testing for my dog and Embrace quickly reviewed the claim, approved it, and mailed me a check. It was nice to know that Embrace had my back during a stressful time with my precious dog.
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1

out of 5

POSTED: | BY: Nafasi Loregnard

This company find anyway not to pay…

This company find anyway not to pay claims please do your research. And they do not have the best customer service and call back
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5

out of 5

POSTED: | BY: Michele

Easy to submit claims

Easy to submit claims. Website is easy to use. FAST review and payments with detailed explanation of payments and deductible.
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5

out of 5

POSTED: | BY: Flo

Quick and easy

Quick and easy. Fast response to claims.
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1

out of 5

POSTED: | BY: SRG

In the end, it's a corporation after all.

Despite the opinions of a team of internists and renal specialists, Embrace declined coverage for kidney failure in our two-year old cat, stating her condition was pre-existing. We had to euthanize her having already spent more than $5000 for her treatment. I am a veterinarian myself and cannot recommend Embrace. Put your money into a high-yield savings account or other emergency fund instead.
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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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