Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Betty

First Claim

So far I just filed my first claim and the whole process was really easy. I'm still have to wait for the answer, hopefully will work well.
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5

out of 5

POSTED: | BY: sharon szabo

The website is very user friendly

The website is very user friendly; confirmations are immediate
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2

out of 5

POSTED: | BY: Elijah

Insurance never pays out

As with almost all insurance, we pay annually in the hopes that our dog will be covered when he has large medical expenses. He has been covered for the last 5 years - since he was a puppy. This year he fractured a tooth that needed to be removed. Most line items were determined to be ineligible for coverage. It's hard to imagine switching to another provider because the issue stems from the insurance industry itself. Nor can we forgo coverage completely in case something even more catastrophic occurs... We just have to hope that he's covered at that time.
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5

out of 5

POSTED: | BY: Grace DeMasi

Embrace makes the process of submitting…

Embrace makes the process of submitting a claim very quick and easy! We have been pleased with their service!
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5

out of 5

POSTED: | BY: Ilene Cooper

Easy instructions

Easy instructions; took a matter of minutes
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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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