Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,765

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: Nanette Hillert

The day I bought my puppy home I signed…

The day I bought my puppy home I signed up with Embrace. As an RN working in Healthcare I am aware how insurance companies weasel out of paying. I was shocked and appalled that Embrace was NO DIFFERENT. After paying for one year they did not cover one red cent of ANY BILL! STAY AWAY FROM THEM!!
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5

out of 5

POSTED: | BY: Pam Backofen

Always there for me and my pets

Always there for me and my pets. Quick reimbursement on claims and always very sincere if contact is needed.
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5

out of 5

POSTED: | BY: Lydia Berkebile

Always fast and great service

Always fast and great service
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4

out of 5

POSTED: | BY: Laura

Easy to do

Easy to do, although repetitive on some steps when you are doing multiple submissions at once. It would be nice to be able to do all my submissions at once, like picking my provider, critter and diagnosis without entering it again and again.
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5

out of 5

POSTED: | BY: Victoria Lopez

I have been using embrace for 9 years

I have been using embrace for 9 years. The claims process has become very easy to use and Claims are addressed usually with in 2 - 3 business days. Their coverage of my dogs ailments/illnesses have been great.
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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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