Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Jane Visser

Great experience with Embrace!

Embrace has always covered the medical expenses that have occurred. My dog was always healthy but since becoming 14 years old, she has recently had some issues. My claims have been taken care of quickly and Chloe's health has improved. She is amazingly active for a dog of her age. I am thankful that I have been able to cover her medical expenses and also the Wellness Plan has helped me to be able to get her shots and checkups on time. She is a happy little dog. Thank you Embrace for the great service you provide.
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1

out of 5

POSTED: | BY: Kevin Hill

You fxcking suck as a company

You fxcking suck as a company. Ended up paying over $2200 out of pocket for my cat because they claimed it was a preexisting condition even though we didn’t know about it until shortly after she was adopted. Customer service is no help. Do not recommend using this company at all.
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5

out of 5

POSTED: | BY: Robert Heiking

Embrace Pet Insurance quickly processed…

Embrace Pet Insurance quickly processed my first claim. They also reached out to my vet clinic for records of all of my cats which makes it easier for me when dealing with my vet, as well as making it easier for me when Embrace has my pets records.
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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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