Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,854

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: Alee Shilling

Have had Embrace now for 2 yrs and just…

Have had Embrace now for 2 yrs and just added a new pup it was easy and they were very helpful with coverage. Thank you
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5

out of 5

POSTED: | BY: JEFFREY DEMPSEY

Lily Mae

In all honesty, when I was considering pet insurance I was thinking it would be years before I’d even use it, then in August my beautiful Lily Mae started a cough and slowing down, off to the vet we went, and our journey has been long, after 2 visits X-rays revealed she had pneumonia and blood tests told us she had underlying Valley Fever. I tell all this, to let you know that going to the vet multiple times, it was a hidden relief knowing that there wasn’t that burden of how am I going to pay for this, or how far do I go to make my girl happy. The bill submission is easy, although and unfortunately practice did make perfect!! LoL. All my dogs have been healthy and happy, so this curveball that was thrown our way it was nice that Embrace had our back
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1

out of 5

POSTED: | BY: Nick Johnson

Premiums SKYROCKETING

Premiums going from $68/mo to $110/mo? That’s absurd. Sure I guess it’s nice piece of mind to pay that every month while knowing we’d still have to shell out $2k deductible God forbid something catastrophic happens, but come on! That’s a wild increase!
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5

out of 5

POSTED: | BY: phoebe

Company representatives...great

The company representatives were excellent in assisting with my first submitted claim. Payment was timely and for the full amount submitted.
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2

out of 5

POSTED: | BY: Customer

Still waiting to see if vet visit will…

Still waiting to see if vet visit will be covered prior to surgery. It has been almost a month and still no answer. They sent an email requesting more info from the primary vet. Still nothing. Starting to feel like I am jumping through hoops.
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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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