Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,874

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.
2

out of 5

POSTED: | BY: don

I have had this insurance for my dog for 10 years

I have had this insurance for my dogfor probably 10 years. The price started out ok and had risen to 206.00 per month. It was my fault for not checking but my friends were paying a quarter of this price. It does not include any meds, shots or teeth cleaning. I called and had it lowered but it is still high. At this point, my dog is already at it's breeds max age and afraid to switch. Think next time i am going with Nationwide. They did pay out on a surgery many years ago, but have well made up for it and I could do a few more surgeries and never cover the insurance I have paid. You would think they would cover teeth cleaning once every 4 or 5 years. Nope and if your dog gets a dental disease too bad.
5

out of 5

POSTED: | BY: Karla Horst

Everyone that I have communicated with…

Everyone that I have communicated with at Embraace is Awesome!
1

out of 5

POSTED: | BY: sandra weldon

I wish I could give them a good review…

I wish I could give them a good review ....However they always find a reason not to accept my claim. My vet actually wrote a letter to them and sent emails explaining that my dog did NOT have a pre existing condition but they refused to cover my vet bill. I find it hard to communicate with them on the phone or by email.
5

out of 5

POSTED: | BY: Robert

Embrace = Pet's first

Embrace = Pet's first I've been an Embrace member for almost eight years and signed up for their 90% reimbursement package and wellness program. I always joked my dog was covered from nose to tail but secretly always worried that if anything went wrong, it would be a fight with the insurance company. Not with Embrace, their staff has always quickly reviewed his cases, and any reimbursement is wired to my checking account. It's so nice to know he's covered, and more importantly, I can rely on Embrace. He's almost 14 now and just had TPLO surgery, and again no issues. I knew they had his back or rather knee in this case and seriously cannot recommend them enough.
5

out of 5

POSTED: | BY: Roberto Mendoza

I chose Embrace Pet Insurance for the…

I chose Embrace Pet Insurance for the security of my pet’s health especially nowadays that prices have gone up and don’t want to be caught unread.

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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