Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Consumer

It is extremely easy to file a claim…

It is extremely easy to file a claim online and the customer service representatives are always knowledgable and professional.
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5

out of 5

POSTED: | BY: George Groff

Ease of use and helps to manage my pets…

Ease of use and helps to manage my pets health.
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1

out of 5

POSTED: | BY: Kate Weaver

Huge waste of money!

Unless you start with a puppy, In my experience, don't bother getting insurance through Embrace. They considered everything I submitted preexisting and would not cover anything. They want such detailed information from prior vets, that I had to take time out of my day to track down my prior vets to get them to send all the notes because the records weren't good enough. In 2 years with 4 dogs I spent over 10 grand and nothing was covered. Huge waste of money and time!
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5

out of 5

POSTED: | BY: Debbie

Submitting a claim is as simple as…

Submitting a claim is as simple as upload the documents from your vet. Embrace provides communication from receipt of documents through to claim completion.
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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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