Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,000

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: Shelby George

So easy and convenient to use

So easy and convenient to use , thankfully have only had 1 claim so far but it was fully covered and easily explained to me
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1

out of 5

POSTED: | BY: Ralph Fontaine

Too much!

When time for renewal, rate went up 50%. there were no claims made and both cats are young and healthy. 1st year $600 2nd year $900. Not waiting around for 3rd year!
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5

out of 5

POSTED: | BY: customer

The team was very responsive and…

The team was very responsive and provided detailed explanations to my questions.
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5

out of 5

POSTED: | BY: Miekie

Promises kept

Fast, efficient and transparent. Very happy to be with Embrace.
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5

out of 5

POSTED: | BY: Wendy Kheel

I had a claim recently that Embrace…

I had a claim recently that Embrace denied because of a pre-existing condition. So, I contacted my vet to find out what condition was being referred to. My vet wrote an email explaining that it was not pre-existing, Embrace reviewed it, and agreed and they covered the costs. But, the Embrace email said that there continued to be a pre-existing condition. So, my vet challenged that saying that the test used on my pet was before she became my vet and that test has been declared inconclusive and no longer considered valid. Embrace reviewed this and agreed so my pet no longer has a pre-existing condition on her record. I have never had an insurance company take issues like this seriously and reconsider their decision which Embrace did and I really appreciate.
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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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