Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,341

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.
4

out of 5

POSTED: | BY: William White

Overall a good company

They have denied some things which is to be expected with any insurance company but for the most part had had a positive experience with them regard my service dog.
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5

out of 5

POSTED: | BY: Jennifer D

Definitely worth it

My cat is very healthy, but I am still so thankful for Embrace Pet Insurance. She needed some unexpected vet care this year with testing. The claim submission process is simple and takes only minutes. They reimburse claims quickly and without effort on my part. Had I not had Embrace, I would be forced to choose between my cat's care and other (human) needs. The Wellness Benefit is also worth it, in my opinion. It takes the anxiety out of routine, annual expenses.
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5

out of 5

POSTED: | BY: Frank Foss

Easily filed a claim through the online…

Easily filed a claim through the online process.
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5

out of 5

POSTED: | BY: Heydi

It has been great using the insurance

It has been great using the insurance, they work fast and everything flows well
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1

out of 5

POSTED: | BY: John

Same old same old

Same old same old as any other insurance company. Every angle is covered to get out of paying claims. The typical denial of payment because of some irrelevant information that they are missing, inaccurately attributed unrelated new health issues to pre-existing conditions, inordinate delays in response after placing claims on hold because of “review” process. Be prepared to pay out premiums in addition to having to pay for vet services out of your own pocket. Completely taking advantage of owners’ love of their pets.
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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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