Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,709

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: Dog Lover

Zero Stars!!! Find Another company

Zero Stars!!!! Submitted first major claim for teeth cleaning and tooth extract because it was cracked. my dog is a heathy 4yr mix and all up to date with yearly check ups and shots. The adjuster told me there was a remark in his history prior to the service starting that a vet had marked he had minor tartar but that was not his normal vets office but we went there for an emergency. I called my normal vet and asked if they ever noted a tarter issue and they said no as they would have talked to me about it. I have been paying monthly for a premium plan and thinking this will help for any major issues but when it came time to pay they came up b.s. to not pay out. I will be moving to another company ASAP.
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5

out of 5

POSTED: | BY: Constance Garcy

This is a great insurance for our dogs…

This is a great insurance for our dogs Arlo & Annie. I just sent another claim in for both of them.
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5

out of 5

POSTED: | BY: Joanne Jovovich

Easy to file a claim

Easy to file a claim. Appreciated that!
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5

out of 5

POSTED: | BY: Patrick Clark

Easy online claim

Making an online claim was very easy and took a short amount of time.
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2

out of 5

POSTED: | BY: AV

Nope

I was asked, I responded, and didn't get a reply. Instead I was asked to give another review. They don't care.
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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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