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: Debra Lazar

Our dog has had some major health…

Our dog has had some major health problems recently that without pet insurance I don’t know how we could have made it. I can never say enough great things about Embrace, within 2 weeks of filing a claim Embrace had approved and deposited the money in my bank account. I’m truly grateful for Embrace Insurance and their quick response and professional assistance.
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1

out of 5

POSTED: | BY: Zachary Garbin

It’s bad enough having a sick pet…

Pet insurance isn’t worth the money if they NEVER cover anything. Not to mention my monthly payment went up 32 dollars for the same useless insurance.
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1

out of 5

POSTED: | BY: Armando Alvarado

RIP OFF

So not even two years and this insurance is unbearable financially. My mother in her 70's just had her rate for a 13 year old dog with NO claims go up 55 dollars a month. Yes, a month! My dog went up a dollar and she is 2 years old. When you ask them why so damn much they read off some lengthy canned response that this is "increase is common practice with underwriters in pet insurance and typically it's a 20% increase." Well ours was a 50% increase!!!! Mind you this IS with a 500 dollar deductible?!?!?!
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5

out of 5

POSTED: | BY: Dean Bentz

Our dog had the unfortunate situation…

Our dog had the unfortunate situation of tearing a ligament in her leg. The surgery cost several thousand dollars. Embrace kept us updated on each claim being processed and reimbursed us before we received our credit card charge. Extraordinary service!
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5

out of 5

POSTED: | BY: Nicole Branch

Great Company

Always quick claim review and direct deposit. Nothing but a positive experience for the past 3yrs.
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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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