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.
2

out of 5

POSTED: | BY: Tammy Walker

Very little coverage

Don’t understand if you covered the bill, why you only paid less than 300.00 when we had to pay the vet almost 900.00. Not very good insurance.
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4

out of 5

POSTED: | BY: Alice

Satisfactory service

Ultimately, I was reimbursed for my dog's emergency care, minus the deductible. The process took several weeks.
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1

out of 5

POSTED: | BY: Juana Abreu

Just don't bother

Just don't bother. I've tried so many pet insurances and all of them including Embrace find any reason to deny claims. Save up for the eventual medical bills and you will save money. What a waste.
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5

out of 5

POSTED: | BY: Kristi Brockman

I am very very happy with Embrace pet…

I am very very happy with Embrace pet insurance as usual. Great, and kind customer service, and helpful when I have questions. It is easy on the website to file a claim, and check on a claim, etc. Thank you Embrace once again! Sincerely, Kristi.
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5

out of 5

POSTED: | BY: Darío de México

i like the minimalistic webapp and the…

i like the minimalistic webapp and the quick/automated reimbursement process.
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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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