Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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.
5

out of 5

POSTED: | BY: Fawn Mendieta

They're great in every way

They're great in every way. The only stressful part is, there no doctors that accept embrace directly do therefore it can be very difficult to come up with the doctors payment upfront. It could be THOUSANDS of dollars which can be stressful. I wish embrace would make great effort to have relationships with doctors so the doctors take direct payment .
4

out of 5

POSTED: | BY: Kimberly Rea

Won't ever have a pet without Embrace

We have had embrace for a few years. We have already lost one dog and almost lost our new rescue. Embrace was very helpful in covering our VERY expensive emergency bills. There are a few catches you need to ensure though. Your dog needs to get to the vet asap to confirm a clean bill of health. It is very easy to end up with pre existing conditions that will never be covered. Second, the waiting period needs to be followed. Be a good pet parent and get your animals tested for EVERYTHING. Especially your rescues. If you get in front of things and are willing to pay out of pocket at first, embrace is fantastic. Between this and our care credit card, we were able to save our new doggo girl. Without it, unaffordable vet bills become euthanasia. Every time I call, they are pleasant. Pre certification was offered and quickly accepted in our case. Claim reviews did not take more than 2 days.
5

out of 5

POSTED: | BY: Shea Wagner

Embrace has been an extremely helpful…

Embrace has been an extremely helpful insurance provider they have helped us with our dogs since day one. Thank you embrace.
5

out of 5

POSTED: | BY: A Ayala

Great customer service

I called Embrace to inquire about some of my grace periods since I am a newly enrolled policy holder, but I have to say that the customer service agent was very good. He helped me better understand my coverages. Thank you.
5

out of 5

POSTED: | BY: Cheryl

Easy to do

Easy to do! Took a photo and it was all done.

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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