Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Patricia Kerton

Great and timely service

Recently had a very expensive situation with my little dog. Er surgery and 4 days in the hospital, you can imagine the bill. I sent it right over to Embrace and was refunded a significant amount of the bill. I am so grateful that i was smart enough to get insurance. If you are on the fence about getting this, in telling you to go for it
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5

out of 5

POSTED: | BY: ALEXIS

Great processing time and fair…

Great processing time and fair consideration.
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3

out of 5

POSTED: | BY: Arlene Bogart

ins coverage not clear

i dislike that meds needed for condition are considered wellness not considered necessary did not know it was an option and now my expense
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1

out of 5

POSTED: | BY: Kay

Reimbursement does NOT happen

This pet insurance claims a dog's "tartar" as a pre-existing illness and does not cover teeth cleaning for prevention. It's ridiculous. I will NOT recommend this insurance to anyone because they are too busy to find a "pre-existing" condition and are unwilling to pay. It's not morally good company.
1

out of 5

POSTED: | BY: Mickayla

came back not able to walk

STAY AWAY. my dog came back from being in boarding for 4 days NOT BEING ABLE TO WALK. Jack and the veterinarian were horrible. they want to charge me full service for an xray. they "called" me one time a few hours before pickup one time but told me NOTHING when i came and got her. she went there full of energy and came back lethargic and lame. charges are filed.
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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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