Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,991

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: Christine Shurtz Franco

DON'T WASTE YOUR MONEY

DON'T WASTE YOUR MONEY! I WISH I HAD READ THESE REVIEWS BEFORE I PURCHASED THE INSURANCE. I have always had pets and never had pet insurance until recently. I purchased this policy and Embrace found a way to essentially carve out every possible body part on my dog including anything dermatological, because she was itchy at one vet visit.. show me a dog who was never itchy for a 12 month period of time, because that is apparently what it takes to be covered... in any case in my opinion the insurance is a total waste of time and money and the adjuster on our file was condescending and just plain rude. Wouldn't recommend this to anyone
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3

out of 5

POSTED: | BY: Carole Paradise Munns

A little slow saving info.

A little slow saving info.
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5

out of 5

POSTED: | BY: Monica Thede

My three-year-old doodle blockage in throat covered!!…

My three-year-old doodle had a blockage in the esophagus, and had been throwing up for weeks. Embrace covered the exploratory surgery and all the follow up visits so that now my doodle is alive and healthy thank you embrace!
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5

out of 5

POSTED: | BY: Mary Jane Miller

I'd give them ten stars!

Embrace has been wonderful. We did not expect to have a claim on a young, healthy dog-- but when we had an unexpected health problem, we did. They reviewed it promptly and paid on the claim without delay. Knowing we had Embrace made it easy to make decisions to engage in the necessary diagnostics to know what we were dealing with (which were not inexpensive!). We now have a fully recovered dog who got the treatment he needed urgently and the support he needs to have a healthy, long life.
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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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