Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Kathleen

Fast turnaround and great support

Can't say enough good about Embrace Pet Insurance. We found them through USAA and have been solid customers for 4 years. We have the wellness plan and the pet insurance. I just submitted a claim and had the funds in my checking account the next day! I had a question about an upcoming surgery for my dog. The representative was supportive and helpful. Give them a try! You will not go to another pet insurance companny.
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3

out of 5

POSTED: | BY: Michael

The deductible is so high that it…

The deductible is so high that it covered like $30 bucks of a $1300 vet bill….rheres probably better companies out there to take care of your pup
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2

out of 5

POSTED: | BY: customer nd time buying

Made my first illness claim and have…

Made my first illness claim and have been given the hardest time ever getting a resolution and reimbursement, honestly feels like a scam, look at every detail regarding their policy requirements before you make a mistake of signing up. Been dealing with my first claim for 2 months after filing it.
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4

out of 5

POSTED: | BY: Johnella Benton Joni

Because I live on a fix income

Because I live on a fix income, it would be great to speed up on approved reimbursements. Otherwise, I'm glad to have my fur baby insured in case of emergency.
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5

out of 5

POSTED: | BY: Jharinia Peralta

I love how easy it is to submit a claim…

I love how easy it is to submit a claim or when clarification is needed how easy it is to contact someone for help.
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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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