Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,864

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: Ada Ko

I've been a customer since 2020

I've been a customer since 2020. While things were pretty quiet the first couple years – no claims, no issues – the past year has been a challenging one, health-wise, for my aging cat. Having insurance has helped immensely in that it makes it so much easier to say 'yes' to getting kitty the best care possible for as long as she wants to stick around. The online system for submitting claims is easy to use and claims are processed quickly. We have insurance for our younger cat as well. I don't expect to need it anytime soon, but it's great to have peace of mind that we will be able to get her the best care we can when it's needed. I've recommended Embrace to friends with pets.
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5

out of 5

POSTED: | BY: Lorraine Finkelstein

EASY TO SUBMIT AND ABLE TO COMMUNICATE…

EASY TO SUBMIT AND ABLE TO COMMUNICATE VIA PHONE AS NEEDED.
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2

out of 5

POSTED: | BY: Troy Gillis

No individualization of policies-Blanket

We have 15 year old kitty. Indoor kitty, spade.Due to age we take her for health checks and blood work twice a year. We called to get a quote to see if pet insurance would be the way to go. There are 2 plans, both include the same policy benefits, the only difference is the amount of reimbursement. $250 or $450. A health check and blood work where we live is between $350 and $400. We were quoted a little under $700 annually. I'm sure it's a good insurance for younger pets, I found there is no individualization, it's basically a blanket coverage. They would cover only 1 health check annually, we take her twice, 1blood work. The second visit would be totally out of our pocket. Due to the non-individualization, blanket coverage of the plans provided this is my reason for 3 stars Update, you just went to 2 stars after your response. You know very well you must get your accident to get your wellness and it's still not individualized. You can't choose this and not that. And you can't have wellness without your accident. Oh BTW, I read you were double talkers. This confirmed it. Bye bye.
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5

out of 5

POSTED: | BY: NLMstylist

I’m impressed at how thorough this…

I’m impressed at how thorough this company is. They also are great at explaining everything to you on what is covered and why some things are not covered.
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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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