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: Rose

It's expensive but very good service

It's expensive, and rates have been raised recently by quite a bit. Having said that, when you need insurance, you need it. I am extremely grateful for the ease of filing claims and the prompt service by Embrace. They are simply the best. I look at it as prepaying for services, honestly. When cats really need help, Embrace is there.
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4

out of 5

POSTED: | BY: Michael Fox

Embrace review

The explanations of what was and was not covered was in depth and easy to understand. We were kept in the loop every step of the way and very pleased with the person who handled our claims
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1

out of 5

POSTED: | BY: Na

Worth the money?

I pay $770+ a year for an insurance policy. When we took our dog to the vet it cost us over $600. We were reimbursed $80. The math isn’t mathing.
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3

out of 5

POSTED: | BY: erica diioia

Very little has been paid for from any…

Very little has been paid for from any of my claims. Not sure where the monthly funds are going, I may cancel it if they do not cover any of my latest claim.
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2

out of 5

POSTED: | BY: Alexis Soulios

The only reason this is a 2 instead of…

The only reason this is a 2 instead of a 1 is because their 24-hour Paw Support has good vets available for questions that can help you avoid a vet visit. But OMG - otherwise, they are crooks. They raise your premium every single year significantly and find every excuse for a pre-existing condition to be recorded for your pet, and then of course there's a deductible. It just makes more sense to self-insure. They're really more concerned with making money than build any kind of supportive ecosystem for you and your pets.
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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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