Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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.
1

out of 5

POSTED: | BY: Greg

Would be zero stars if possible

Would be zero stars if possible. My Sphynx had blackheads on her chin during the initial vet visit (very common Sphynx condition) and that apparently counts as a pre-existing condition for ALL dermatological conditions. They wouldn't provide any coverage for either an ear infection or ringworm. Pretty standard insurance garbage but I was surprised after all the positive reviews I read before deciding on them. I wasn't expecting much but it's clear their objective is to pay out as little as possible.
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5

out of 5

POSTED: | BY: Kelly Chamberlin

Embrace is the best

Embrace is the best! I had to take my boy to the emergency vet a couple weeks ago and they paid my claim( minus the deductible) in just a couple of days. I'm very happy with them and encourage others to get embrace for their pet insurance needs
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5

out of 5

POSTED: | BY: Bill Lamkin

Really easy process

Really easy process! Embrace has been with my 12 year old dog since he was a pup and I've never had any issues!
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2

out of 5

POSTED: | BY: D.J. SanMarco

Not great insurance

You have to meet a certain dollar amount before they pay on anything, then they deny paying as much as possible.
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5

out of 5

POSTED: | BY: TARA YENGLIN

Easy to submit claims

Easy to submit claims. Great customer service and quick reimbursements.
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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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