Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,744

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: Bobbi Kuivinen

My Frenchie ate a wild mushroom while…

My Frenchie ate a wild mushroom while at dog care. They attempted to induce vomiting with hydrogen peroxide, which didn't work...so we ended up in ER. Unfortunately, she developed GI ulcers from ingesting peroxide, leading to several other trips to the ER. I was super worried about the expense, but was willing to do whatever I needed to in order to help my little girl. Fortunately, I have Embrace insurance. All of the bills have been covered 90%, leaving me with only several hundreds of dollars to pay out of pocket, rather than thousands. This experience has completely convinced me of how important having pet insurance is.
5

out of 5

POSTED: | BY: Suzanne Pichler

My younger cat has recurrent UTIs and…

My younger cat has recurrent UTIs and embrace has been very helpful in defraying the costs of urgent care visits. The direct desposit choice for reimbursement makes the process even easier
5

out of 5

POSTED: | BY: Karen P

First time using Embrace and blown away…

First time using Embrace and blown away by how quickly the claim was processed and how easy the process was to complete. I uploaded pictures of my invoice while checking out at my my vet's office and was reimbursed within a few days. Thank you for making a stressful time easier.
5

out of 5

POSTED: | BY: Eddie

Easy to submit my claim

It was easy to submit my claim and they respond quickly.

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 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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