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.
4

out of 5

POSTED: | BY: Christian Snyder

Helpful for the most part…

They have been helpful for the most part. The one time I was frustrated was when they randomly contacted me about a lump the doctor diagnosed as a symptom from excessive grooming and since he didn’t do any further medical testing they marked it as a preexisting condition so now he can’t get any coverage for anything related to any skin mass.
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5

out of 5

POSTED: | BY: PETER WILLIAMS

They were very human and helpful.

They were very human and helpful.
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5

out of 5

POSTED: | BY: Jerry Goodwin

I was told what I needed to do and…

I was told what I needed to do and everything work out well
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1

out of 5

POSTED: | BY: Amy Lamb

Cancelled after a few months when my…

Cancelled after a few months when my very first claim was denied because my otherwise healthy dog hadn’t needed to go to vet in a specific time period before the claim so they thought this could be pre-existing. It was a dog bite. Seriously. Can’t make this stuff up. Edited to add after seeing reaponse: I was told that none of the claim was covered. I knew the ear infection wouldn’t be.
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5

out of 5

POSTED: | BY: Mayra Dominguez

Easy peasy

This was so easy, especially for a technical challenge person!
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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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