Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Happy customer

Could not be happier!

Easy to file claims. I had a couple questions and customer service was always very helpful and concerned for my dog and happy to put my stressed out mind at ease. We had to pay out over $10,000 for emergency surgery for our very sick pup. We were reimbursed in less than a week and it only took that long due to an error on my end. All other Wellness and other illness claims have been paid in 2-3 days. Embrace is amazing and we are so thankful to have had the peace of mind that we had this coverage to save our pups life.
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5

out of 5

POSTED: | BY: Tessa Miller

Absolutely love this insurance

Absolutely love this insurance. Had to use it many times on my accident prone pup.
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1

out of 5

POSTED: | BY: Bruce Lee

Customer service mistakes

I told them to put my second dog on my policy. The person i called apparently never did and i didnt find out until i didnt get reinbursted and found out why. Their customer service is not the best either.
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2

out of 5

POSTED: | BY: Susan Cookson

our dog developed a bladder infection…

our dog developed a bladder infection with bladder stones. Treatment for these 2 conditions were vet-prescribed antibiotics and diet. Embrace refused to pay for the diet, even though it is FDA reviewed for the purpose of treating bladder stones. the staff tried to help me, but this was a hidden rule that we did not know about
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3

out of 5

POSTED: | BY: Aric Browne

I was disappointed that on $2,000…

I was disappointed that on $2,000 emergency bill I only received $980 approx. I understood $400 deductible but still believe number should have been a lot higher. Things like the exam were not covered. How do you bring pet in to emergency and not get an exam.
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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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