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: Bill James

Pet experienced a traumatic injury. Two surgeries.

We went through an extremely difficult time when our pet experienced a traumatic injury. Embrace helped us to get through it. They minimized the financial stress by paying the hospital bills within a reasonable time. They were professional and polite, even kind. I would definitely recommend Embrace. Just be sure you have all your paperwork!
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2

out of 5

POSTED: | BY: Adam Vargas

Embrace Pet Insurance, 'STAY AWAY"!!!

Embrace seems like a great insurance on the surface, but when you actually go through the claims process, they try and try hard to throw as many excuses, i.e. medical records b.s., to not pay out claims. This has been a disaster of experience dealing with this Embrace Pet Insurance. They have finally paid out some claims but not all that they are suppose to, and every single claim has been like wrestling a gorilla. In addition they raised my monthly premium 100% over the first year and only year I have been with them. I do not recommend this insurance to anyone.
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1

out of 5

POSTED: | BY: Dawn Marie Howell

My fur baby was born with a congenital…

My fur baby was born with a congenital condition, however, he passed the orthotic exam and didn’t have any debilitating symptoms until 5 mos after the exam. Met the spend down requirements but they said they wouldn’t cover Tuckers condition since it was pre existing. The whole purpose of health insurance is just this…. Tucker was a year old plus 8 mos. His condition should have been covered. Period. Whether it’s congenital or not his symptoms showed in the latter part of his existence. These guys suck. Done. Waste of money.
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5

out of 5

POSTED: | BY: NAH

The lady that helped me figure out what…

The lady that helped me figure out what the hold up was on my claim we got it resolved.
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5

out of 5

POSTED: | BY: Joyce Hough

So far I’ve had great experiences with…

So far I’ve had great experiences with Embrace pet insurance. They are prompt and I’ve been reimbursed with every claim that has been made on my dog . It gives me much relief knowing my dog has insurance for all the unexpected things that could come up. It’s worth every penny! Very happy customer!
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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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