Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Hyemi Choi

Great and efficient.

Easy to file a claim and decision was made quickly even though I submitted the claim during Thanksgiving holiday. All the necessary information and updates were clear and easy to understand.
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5

out of 5

POSTED: | BY: Philip Goble

Ease of making my claim and the rapid…

Ease of making my claim and the rapid payment plus super customer support..
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1

out of 5

POSTED: | BY: James

It’s just like health insurance for…

It’s just like health insurance for humans. Pay into it and get everything denied. Waste of money
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3

out of 5

POSTED: | BY: Kathi Jo McAlister

Expensive Policy Covered Nothing Entire Year

Policy cost almost twice the one I had previously with another company and didn’t cover any wellness issues. I was expected to pay yet more per month to have wellness issues covered (was already paying over $100/mo). I’m sorry but for the price paid and $0 coverage for anything I had done to take care of my dog was just way too much and not a justifiable expense. Sad. I’d rather put that money in a savings account and use it accordingly which seems to make more financial and logical sense.
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4

out of 5

POSTED: | BY: Connie A

The ease of doing everything online is…

The ease of doing everything online is amazing.
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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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