Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,853

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.
1

out of 5

POSTED: | BY: RC RC

Horrible company

Unfortunately, this is your typical insurance company where they take your money and when you need to file a claim they'll do whatever possible to deny your claim. Then after denying your claim they'll raise your premiums really high. Horrible company and will never recommend or do business with them again!
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5

out of 5

POSTED: | BY: Adam Johnson

Reimbursement as expected without…

Reimbursement as expected without complication, helpful customer service with native English speakers based in the US... worth every penny we paid for the policy!
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2

out of 5

POSTED: | BY: Pet owner in NH

Embrace lacks user ease

Never easy to fill out claim. Takes a very long time. Have not been reimbursed for any medical cost as of yet. Disappointed with this pet insurance.
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5

out of 5

POSTED: | BY: Amy Gray

easy to follow directions; concise process

easy to follow directions, speed of ability to file, no extraneous questions, all around perfect
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1

out of 5

POSTED: | BY: Bonnie Vandenberg

Took many months to even get a payment…

Took many months to even get a payment then was told because my vet said my dog had a little tarter on his teeth you won’t cover teeth cleaning.
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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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