Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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.
1

out of 5

POSTED: | BY: Adam Laundree

Do not use Embrace

Do not use embrace if your pet has any history of illness or sickness. They will blame everything on pre-existing conditions even when it has nothing to do with it.
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2

out of 5

POSTED: | BY: Zohreh

Not reliable

I got insurance for my two cats on 2022. They were less than 2 years old at the time and very healthy. After two years of insurance and filing just one claim for teeth cleaning for one of them, they have increased my monthly payment twice! I was paying about$53 per month for both of them and suddenly they increased it to $104! My cats are not even 4 years old now. So, I can't consider this a reliable insurance and I don't know how much they'll increase the monthly payments when my cats get older. I have decided to set aside $200 per months for my cats and I'll cancel the insurance once I've saved $2K which should take less thana year.
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5

out of 5

POSTED: | BY: Melody

Great coverage for the cost

Great coverage for the cost. Easy to use website and easy to submit claims. Quick to review claims and reimburse for things that are covered with clear explanation. Highly recommend.
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5

out of 5

POSTED: | BY: RB

Good Insurance

Our pup ate something and was pooping/throwing up a ton of blood . we had to take her into the ER and have her there overnight for treatment . I called into Embrace multiple times to confirm details . This is my first insurance claim since i got my puppy and she is around 2 years old . we signed up with embrace the day we got her , and i am happy we did . The first claim did take some time because of the history follow up etc . But all worked out well at the end . I am happy ..It's better to have Embrace and not have to use it . But the peace of mind that i have my pup covered is well worth it . Thanks for your support Embrace Team
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1

out of 5

POSTED: | BY: Mark Schwartz

fought me everytime i attempted to get reimbursed..had to fire them

everytime my dog went to vet they found i reson not to reimburse
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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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