Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Amy Marotz

Our puppy had lameness

Our puppy had lameness, but since he had cleared his initial orthopedic exam and x-ray, all of his elbow treatment was covered. Super easy to submit claims- fast and reliable coverage. Thank you!
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5

out of 5

POSTED: | BY: Mary Badame

Such a relief to have Embrace cover my…

Such a relief to have Embrace cover my babies. They are professional and very honest and reputable, explaining is easy and my girl has been covered thru many diagnosis. It was never pre existing great job
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5

out of 5

POSTED: | BY: Hisako Walker

I am very confident with their staffs

I am very confident with their staffs. They process the claims very quickly. They offer professional services.
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1

out of 5

POSTED: | BY: Peter Ahlstrand

They bill me every month but say they…

They bill me every month but say they don't have enough history to pay a claim and my claim for $200 has been sitting for 8 months. They won't refund me any of the money for the last 2 years of payments even though I am not covered.
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5

out of 5

POSTED: | BY: Randy Smith

My recent claim submission was handled…

My recent claim submission was handled quickly. Reimbursed very fast for covered expenses.
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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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