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.
4

out of 5

POSTED: | BY: Lacy Dezsi

We recently adopted a frenchie puppy

We recently adopted a frenchie puppy, we always insure our pets. I went with embrace because of the wellness plan. Our puppy is 16 weeks old and I have submitted two tickets for his shots and so far payout has been timely. Unfortunately our puppy was stepped on by a large dog and damaged a saliva gland and we are in the process of getting surgery. I have contacted embrace about the review process and one worker wasn’t all that helpful and gave false information about records being needed from the breeders vet (I have the health workup) we got it straightened out though, I will update on what transpires with the upcoming surgery, we have accident and illness coverage and never dreamed I would need it so soon.
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5

out of 5

POSTED: | BY: NLM stylist

Good experience

The person I talked to was very nice and answered my questions.
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1

out of 5

POSTED: | BY: Amelia Chapman

Not a great experience

Not a great experience. Unhappy with rates increasing again- every renewal. Not a good value.
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5

out of 5

POSTED: | BY: Gloria Stayman

Embrace is The Best!

Embrace is wonderful, and we are always given personalized service. We are so appreciative of all their hard work.
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5

out of 5

POSTED: | BY: Ed

Embrace covers cost for liver tumor removal

My 12 year old Pudelpointer just required an expensive surgery to remove a liver tumor. Once my deductible was exceeded and it was determined no preexisting conditions applied, Embrace reimbursed me promptly. Embrace has been very responsive with accurate and helpful responses to all claims and documents I've submitted.
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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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