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: Deanne Brouse

Embrace Pet Insurance is a caring a…

Embrace Pet Insurance is a caring good company. They helped me quite a bit when my cat Andy got real sick and had to go to Vet ER. It’s worth having this EMBRACE pet insurance.
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5

out of 5

POSTED: | BY: Veronica Ramos

Easy and Efficient

Submitting claims online is so easy and you are prompt through every step and they make it easy and you don't need to talk to anybody so it's very convenient and I can do it whenever I think of it!
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1

out of 5

POSTED: | BY: Rachel Cash

The representatives were nice but the…

The representatives were nice but the company is a ripe off. They don’t cover anything and is a waste of money. I would just put $50 in a savings account each month to use for vet appointments and that better use of your money then never having the insurance cover the amount.
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1

out of 5

POSTED: | BY: Jack campbell

denied only claim in 2 1/2 years of coverage

I had a policy for 3 of my pets for 2 and a half years, when I submitted my first claim, they listed the illness as a preexisting condition and deny my claim. I strongly recommend anyone review the experience their customers have with claims before signing up
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5

out of 5

POSTED: | BY: Freda Whaley

Only one I found that would insure a 13…

Only one I found that would insure a 13 year old kitty. They also worked with me me to find coverage I could afford.
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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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