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: Michelle Turchi

Easy experience

Found out my fur baby girl had a mast cell tumor. Had to have it removed and starr seeing an oncologist. Uploaded my invoices and was reimbursed within a week or so. Very easy experience!
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2

out of 5

POSTED: | BY: Janet Pearson

You and your underwriters suck

You and your underwriters suck! I got my previous dog bandit your insurance when he was 7 years old. I was happy with the plan and had no complaints. I called for insurance on my dog Jesse who is 6 years old. They won’t cover him due to his age. That’s absurd! You suck!
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5

out of 5

POSTED: | BY: Rowena Downing

Very understanding and empathized.

Very understanding and empathized.
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5

out of 5

POSTED: | BY: Robert Greenawalt

The agent answered quickly and was able…

The agent answered quickly and was able to help me right away. He reset my email for me.
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1

out of 5

POSTED: | BY: Kaleh LeDoux

Terrible experience

Terrible experience. They denied every claim stating it is a pre existing condition or not covered. Don’t bother wasting your money with Embrace.
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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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