Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Cynthia Evans

Online submission for a claim easy peasy

The online submission for a claim was so easy! In seven years, I have not submitted a claim because filling out forms is so annoying. Just discovered I could do it online. Love this.
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5

out of 5

POSTED: | BY: David Wendt

They knew the answer of questions I had…

They knew the answer of questions I had for a claim & were very helpful
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1

out of 5

POSTED: | BY: Sue customer

You people suck!!

You people suck!!! All u do is is ask for paperwork you already have to put off paying on a claim đź–•
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5

out of 5

POSTED: | BY: Kam

It was quick and easy

It was quick and easy. Pretty self explanatory.
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1

out of 5

POSTED: | BY: Disappointed was dreadfully d

I was disappointed entirely

I was disappointed entirely. I paid for the most expensive coverage snd only got back less than 150 out of a nearly 700 bill. They didn't cover the deposit my vet charged even though that went to the exam fee. They didn't cover any of the shots or tests needed nor any medication. I am entirely unhappy. I found other companies for less money per month that when given the same recipt would cover almost every dollar.
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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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