Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: joyce

My friend recommended I purchase pet…

My friend recommended I purchase pet insurance after so many years of paying thousands of dollars out of pocket for our elderly dogs. We're members of USAA and Embrace was highly recommended so when I adopted two young dogs having Embrace gave me less to worry about. Within five months my male dog wound up at the emergency vet for five days at the cost of $5000. Embrace paid my bill within a few days. Embrace also has a Wellness plan that pays for checkups and shots each year. Best choice I made for peace of mind and for my pets.
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5

out of 5

POSTED: | BY: Chris Winter

So easy!

This insurance compant could not be easier and more straight forward. I wish human health insurance was this simple.
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1

out of 5

POSTED: | BY: Karen

Nothing was covered

I don’t know what the point is of paying 40+ dollars a month for insurance when they deny all claims. I canceled. Too frustrating. What is the point?
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5

out of 5

POSTED: | BY: Gary Landa

The premiums are competitive and the…

The premiums are competitive and the service over the phone is excellent.
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5

out of 5

POSTED: | BY: Richard

Reimbursements Exactly as Described

Great online processes and even better customer service. Quick processing of claims for my hurt Maine Coon and clear explanation of the reimbursements...it is exactly as described. This is an honest company!
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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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