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.
1

out of 5

POSTED: | BY: Zachary Rand

Not Run By People Who Actually Have Pets

I have paid more than $1,000 in premiums for my two dogs in less than a year. Last week I submitted a claim for one dog who had an upset stomach, which resulted in vomiting and diarrhea. They denied my claim, which would have only gone against my annual deductible. The reason is that my dog had an upset stomach and vomited 10 months ago per vet records they collected. I didn't even submitted a claim for that vomiting. This company is a grift. They don't understand that they are in the business of covering dogs, who sometimes eat a street treat off the ground.
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5

out of 5

POSTED: | BY: Joanne Bernhardt

Great pet insurance company

Great customer service with good communication on claims. Would highly recommend.
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5

out of 5

POSTED: | BY: Robert Schlitzer

Embrace has been such a comfort

Embrace has been such a comfort, us knowing that he will be able to receive the care Jonas urgently needs at times . We love our mini Schnauzer and are so glad we chose Embrace - their website is easy to use and their processing is prompt and very reasonable and considerate of our needs.
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5

out of 5

POSTED: | BY: Shelby Overstreet

The process of submitting a claim was…

The process of submitting a claim was so easy and straightforward. I heard back very quickly and received my reimbursement in a timely manner. Highly recommend.
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5

out of 5

POSTED: | BY: Kandi Wojtysiak

Submitting a claim was very easy.

Submitting a claim was very easy.
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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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