Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,744

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: BW

We have never had pet insurance before…

We have never had pet insurance before and we decided to finally try it out. Thankfully we did as just over a month later our 3yr old Corgi was diagnosed with Lymphoma. From nothing to everything so fast! Thanks to Embrace instead of have to say goodbye to her so young we are able to put her through CHOP protocol (Chemotherapy) and she is responding very well and hope to be able to give her a year of more love before saying goodbye. Hopefully more! Thank you Embrace!
5

out of 5

POSTED: | BY: Vonnella Borner

Pet Insurance

Never had pet insurance until I got this and it is worth having.
5

out of 5

POSTED: | BY: April Meise

Due to a scary medical emergency with…

Due to a scary medical emergency with my 1 year old puppy, I had to rush him to the emergency vet. Although he received great treatment and recovered, the bill was extremely hefty. I submitted a claim with Embrace and they were always in contact with me via email (status updates, etc.) Although I never spoke to a representative personally, the representatives were all very kind and considerate over our email exchanges. It took about a a month to settle my claim (which I was told would happen), but because of Embrace insurance, the majority of my pup's emergency visit is being covered. This is a huge weight of off me financially! Thanks Embrace for helping me through this difficult time!
5

out of 5

POSTED: | BY: Regina Krauza

I have to say

I have to say, out of all the pet insurance that I looked into this was the BEST. I have had 2 claims and both were covered. The price is reasonable, the claims were processed fairly quick. Definitely would recommend.
1

out of 5

POSTED: | BY: Paul Valkuchak

BEWARE!!! Of Embrace Pet Insurance

Bentley's doctor provided a comprehensive/detailed report for treating his ear infection but Embrace wasn't satisfied and kept requesting more and more information.....at least, three times!!!! Bentley's doctor has better things to do than to respond to these multiple requests for more and more information.....It was exhausting and I will NOT be renewing my coverage when it expires in February 2025.....I had paid over $1,000.00 dollars for coverage to date and this claim was only $300.00.....I could understand if the claim was well over $1,000.00 but what the heck!!! It took over one month to get this resolved!!!!

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 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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