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: bill rouse

My wife and I are so grateful we have…

My wife and I are so grateful we have Embrace. Filing a claim is easy and fast. Reimbursement is very timely. GREAT Company to deal with.
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5

out of 5

POSTED: | BY: Terry Reilly

Worth it and easy!

We've had them for years. They've saved us a fortune over time, but like any insurance you have to be savvy and keep track. The claim process is simplicity itself, and though I truly hope that I don't get my money's worth each year, with my older cats it's paid for itself time and again.
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1

out of 5

POSTED: | BY: Carly Marshiano

Penny pinchers and not worth it.

My husband and I have a 4 year old dog going on 5. We had embrace for 1 year. During that time, they upped our monthly from $63 to $90 a month because of, "inflation". This was the LESSER of the plans. The thing that made us cancel was we went to take our dog to his annual wellness visit, which cost us $290. Because we had scheduled our wellness visit 4 days sooner than 1 year due to the vet's scheduling conflicts (we needed our dog to get the flu and bordatella shots in order to keep going to dog daycare), they refused to reimburse us. Because of FOUR DAYS. We cancelled, I can't believe they'd forego over $1K a year because they didn't want to reimburse us 70% of $290 ($203). If it's this bad now I can't even imagine when my dog actually gets sick what a nightmare it would be.
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5

out of 5

POSTED: | BY: Raymond David Rey Hernandez

It is very simple and easy to make a…

It is very simple and easy to make a claim. Quick attention.
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5

out of 5

POSTED: | BY: Jose Morales

Awesome

I must say they were very awesome:-) Thanks for your support and excellent feedback:-)
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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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