Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Keith

Amy from Embrace never followed-up with…

Amy from Embrace never followed-up with alternative policies as promised after Embrace sent me a 67% increase for my renewal. I submitted zero claims and have a healthy pet.
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5

out of 5

POSTED: | BY: Laura Withrow

My dog needed surgery for a luxating…

My dog needed surgery for a luxating patella. The claims were very easy to file online and I received reimbursement within a week. The surgery costs with preop appointments was close to $4000, so I was very grateful to have the coverage. The only complaint I have is about the increase of premiums after the first year. The coverage was well worth it though
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1

out of 5

POSTED: | BY: Jeannot Quête

Premature request for review

You prompted me to write a review about submitting a claim. Yes, the apparent submission seemed simple enough. As you have not approved it, nor have I received reimbursement yet, it seems quite oddly premature. Edit: I now see this review is tagged as an “unprompted review” which is clearly a lie.
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1

out of 5

POSTED: | BY: Ksenia

Claim submission through the app…

Claim submission through the app doesn’t work on purpose to make the process harder
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5

out of 5

POSTED: | BY: Dorothy Morrissey

User friendly site

User friendly site
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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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