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: Steven Carter

they get to the claim very fast and…

they get to the claim very fast and tell me what is covered and what is not. They are very helpful
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1

out of 5

POSTED: | BY: Hazel Castro KODY

Delay while they find a reason to deny…

Delay while they find a reason to deny . I cancelled one of my pets insurance already because he now has kidney decease completely new this year. 2 of the symptoms are vomiting and diarrra which they use as a pre existing condition. Completely outraged by this because lots of different conditions have diarrrah and vomiting.
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4

out of 5

POSTED: | BY: Jimmy Wallace

I am new to this insurance

I am new to this insurance, but so far I am satisfied with their promptness to a claim.
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5

out of 5

POSTED: | BY: Connie Lotfi

Good Customer Service

I had to call to get back into the system again but the representative was quick to assist and provided me with a better phone number to call for future problems.
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3

out of 5

POSTED: | BY: v&s m

the app does not allow for claim…

the app does not allow for claim submission and the online portal is slow in response to submissions
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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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