Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Laura Spielman

Embrace is awful to deal with

Embrace is awful to deal with. I brought my rescue pup to the vet within the first two weeks of paying for the policy. She was sick. I had no choice. Well now every time I take her to the vet with vomiting or diarrhea, its deemed a pre-existing condition and not covered. DO NOT USE THEM! They have no problem collecting your money, but will not cover your pet.
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5

out of 5

POSTED: | BY: Inez Streuber

Easy to use and upload invoice

Easy to use and upload invoice
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1

out of 5

POSTED: | BY: Sidney Hines

It took4 phone calls And still I…

It took4 phone calls And still I haven't reached their billing department and I'm tired of their lousy service
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1

out of 5

POSTED: | BY: Andre

There are far better options

A company that sees your pets as bags of money with dollar signs on them. Increase in premiums are expected, however, seeing your premium go up with $1800 per year is shocking. To get zero sympathy from them just rubs salt in that wound. This after making zero claims for a year. Do not bother with this company. The people that work for them are cold and unsympathetic. Make no mistake, they run a business and your pets are the products.
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5

out of 5

POSTED: | BY: Veronica Gomez

Having insurance when my puppy ate a…

Having insurance when my puppy ate a squeaky toy was such a relief. Using the app to file the claim was super easy and the timely updates were awesome. Getting Embrace is one of the best decisions I made.
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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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