Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: SHANNON

Not worth it

I bought Embrace pet insurance for emergencies and did not add the wellness package. When my dog had a true emergency at two in the morning (throwing up blood and pooping blood), my claim was denied as “wellness.” This has happened every time I make a claim. Without the wellness package they do not seem to cover anything, so I would not recommend this insurance.
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5

out of 5

POSTED: | BY: Ashley Garcia

I was always skeptical about pet…

I was always skeptical about pet insurance, until I needed it. I’m so incredibly grateful that I have the insurance. My dog got very ill and I’ve had to spend minimal on finding solutions because of the reimbursement we get back.
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5

out of 5

POSTED: | BY: Rick Aronson

They were gracious

They were gracious, helped me file my claim which was approved in short order. Took much of the filing stress away . So glad my documents were in order. Awaiting my reimbursement now .
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5

out of 5

POSTED: | BY: Better World Books Critique

I am so pleased with My Embrace Pet…

I am so pleased with My Embrace Pet Insurance. I've never had a claim rejected.
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5

out of 5

POSTED: | BY: Career Finder, LLC

They are amazing

They are amazing! Such great service and so affordable. I cannot say enough about them. I am so glad that I switched over from Trupanion, Which was beyond expensive and they hardly Honored any claims that I submitted.
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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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