Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: tangthebang

Highly recommended

Highly recommended. My cat had a few health issues a few years back and recently as well. Embrace took care of him both times with no hassle at all.
3

out of 5

POSTED: | BY: Rose Park

Honestly…meh

Honestly, their policies are not as straight up as some other pet insurance companies but I got locked in with the 1 yr contract. It takes a long time to hear back from someone via email, like my cat got bloodwork done because she would need future dental procedures but they wouldn’t cover that because it was done the same day as her vaccines, wellness checkup etc. since I don’t have separate wellness coverage they asked me to prove the bloodwork is for dental— but that should be something they can just ask the vet because I obviously got it done for that reason. It even says on my invoice. They said it’ll take them a month to reconsider but now it’s been a month n I just waited for nothing.
1

out of 5

POSTED: | BY: Bizzy Kidd

Got hung up on

I was calling to see about obtaining information for my cat to see if they could help cover cost for upcoming surgery and I literally got hung up on EDIT: it didn’t disconnect, I got hung up on, I had multiple texts and phone calls within the first couple minutes of entering my information on your guises website and then nothing since then, Finding my information doesn’t matter it’s too late for you guys to be able to help me. I’ve already had to come out-of-pocket thousands of dollars to save my pets life. It’s fine. You probably would’ve helped anyway.
5

out of 5

POSTED: | BY: Robin Halpern

Good company

The representative was very clear on what they do as a company. He was very open & patient relaying information to me. Did the policy over the phone. Very well done
3

out of 5

POSTED: | BY: Arlene Terranova Scerbo

the diagnosis drop down does not have…

the diagnosis drop down does not have all information. Need to add to drop down vaccinations etc.

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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