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.
5

out of 5

POSTED: | BY: LB

Good Experience

My experience with Embrace has been good so far. The staff are friendly and efficient. Questions and phone calls are answered promptly. Claims are processed almost immediately.
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2

out of 5

POSTED: | BY: Cindy Calhoun

I am very proactive with my canine…

I am very proactive with my canine kid’s healthcare and an advocate for preventative care. Dental cleaning and the recent removal of a lipoma tumor being removed at the same time, suggested by the veterinarian in case it increased in size where it was located could interfere with his mobility. Plus we avoided an additional surgery in the future. This company qualified both procedures as pre-existing even when I submitted cleaning receipt from a year ago! Tumor is pre-existing?? I was paying a little over $100 a month including a supplemental plan! Don’t waste your money with Embrace thinking you will receive coverage. Should never have left Fetch! I don’t recommend this company as their underwriters deny everything!!!
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5

out of 5

POSTED: | BY: Andrew Swang

Embrace is affordable and submitting a…

Embrace is affordable and submitting a claim is very straight-forward
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1

out of 5

POSTED: | BY: Matt Jambor

I don't even know how to set this up

I don't even know how to set this up. That being said with no one to walk me through all this, I'm probably going to cancel this very soon. On top of that you send way too many emails I don't even know which one is the right one to click on to even get started if I wanted to. Terrible company, tried to sell me like 5000 other things when I tried to call. Couldn't even get a hold of a human being. Again terrible company will never buy anything from embrace insurance ever again
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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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