Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,930

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: Rick W.

We got what we paid for and got it fast

Our almost five year old cat developed diarrhea and several tests were necessary along with a couple visits to the vet. We submitted our claims quickly and easily and got reimbursed just as we were expecting. And we received the reimbursement within three days of submission. One couldn't ask for more.
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5

out of 5

POSTED: | BY: Lisa Ann Kendall

Quick payout for costs.

Quick payout for costs.
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1

out of 5

POSTED: | BY: Renaldo Maroney

All the issues related to my dog's post…

All the issues related to my dog's post surgery complications haven't been covered and whoever does the claim adjustment doesn't give details as to why to understand.
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5

out of 5

POSTED: | BY: bill rouse

Why more companies are not using…

Why more companies are not using Embrace Pet Insurance business model is beyond me. This is the most customer friendly company.
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5

out of 5

POSTED: | BY: Mark Rives

Embrace took the stress out of our emergency vet bill

No one ever wants to incur a large, unexpected vet bill, especially when their pet is not well, but Embrace made paying for the emergency less stressful. Filing a claim was easy and they paid us within hours of submitting the claim.
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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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