Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,763

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: Susan Levine

Easy claim submission process

Easy claim submission process. Good initial response time. Adequate response to concerns regarding initial denial of claim.
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1

out of 5

POSTED: | BY: Mark P.

Embrace breaks promises: Don't use them

Having an older dog with increasing veterinary care costs, I decided to cancel at the beginning of a new premium period. since Embrace wasn't covering any of my increased costs. Unfortunately, I had just been charged the full premium. After canceling, I was promised a full refund. Ten days later, nothing.
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3

out of 5

POSTED: | BY: Leah Murphy

Submitting a claim is very easy

Submitting a claim is very easy. Reviews are very fast and communication is complete and efficient.
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4

out of 5

POSTED: | BY: Stephen Himber

Very good pet insurance

Very good pet insurance. Their process is quick and easy. Rates are a little high but the service is excellent so I guess you get what you pay for
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5

out of 5

POSTED: | BY: Paul

Great at clarifying policy and charges

Great at clarifying policy and charges
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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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