Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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.
4

out of 5

POSTED: | BY: Lynda Pejic

Pet Medical Insurance is no different…

Pet Medical Insurance is no different from human medical insurance. I hate that they treat animals the same as humans: will not cover pre-existing medical issues. The cat was born with a heart defect - NOT covered. Sometimes I feel like Henry Masuka [Toronto CA], a similar situation as in "John Q." starring Denzel Washington. But for emergency issues such at injury Embrace covered a small portion. I have on more than one occasion requested increased ER coverage but have been met with MUCH resistance on Embrace Pet Insurance part. But I will keep pushing THEM!
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2

out of 5

POSTED: | BY: M L

I've had My Embrace for 11 months

I've had My Embrace for 11 months. They are extremely hard to get a hold of. They will not pay out claims (waiting 9 months) and say EVERYTHING Is pre existing, when I insured an 8 week puppy that obviouslyhad never been to the vet or had issues. Then every visit for regular puppy care was called pre existing. I switched to Spot.
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5

out of 5

POSTED: | BY: Staci Jones

Easy to use and submit a claim online.

Easy to use and submit a claim online.
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5

out of 5

POSTED: | BY: Hendrika Henry

Made several claims in June

Made several claims these last few weeks for our pup and Embrace took care of these claims in a fast and great manner. I would recommend Embrace to every pet owner !
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5

out of 5

POSTED: | BY: Jonah Pollack

Very transparent and timely…

Very transparent and timely communications.
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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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