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: -EQ-

Our puppy ate a part of a deceased rodent

I woke up in the middle of the night with my pup thowing up. Upon inspection it was clear she had eaten some kind of rodent (a baby bunny, or rat). Unfortunately, our kitties will sometime kill creatures and leave them behind bushes. Our puppy is normally very vivacious but the next morning she had diarrhea, was difficult to arouse and extremely listless. Would not eat or drink water. I was worried that she could have secondary poisoning or bones in her system. I called our vet and decided to take her into URGENT care. The vet checked vitals, did blood work, x-ray and determined she would be ok, gave her some med prescribed meds for inflammation and her tummy. I submitted the claim; a little worried that insurance would not pay as I did not call Embrace ahead to get advice but they paid a good portion of the entire bill and follow up. I was very happy with the outcome. Great communication and expedient reimbursement for the claim.
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5

out of 5

POSTED: | BY: Salvatore Midili

Embrace as always does a great job…

Embrace as always does a great job communicating with us on our claims and always follows up.!
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5

out of 5

POSTED: | BY: Joyce Nakanishi

Veterinarian referral of the company

Embrace responded and provided my refund quickly. I provided detailed information on my claim which helped me expedite my claim. This company is professional, polite and more than willing to assist me. My veterinarian has her own animals covered with Embrace and recommended I do the same.
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5

out of 5

POSTED: | BY: Christine Guerra

Great Agents

The agent was very thorough and gave me options to consider.
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1

out of 5

POSTED: | BY: Simba

I think im getting screwed

I think im getting screwed. Im nervous. Everything is getting rejected. I was promised one thing and getting zero returned. Im thinking i might have to cancel and give Chewy insurance my business
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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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