Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,317

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: Rhonda B

Pays better and quicker than most human policies

We bought a policy in 2016 for a puppy who was born late 2015. After the processing period, our puppy lived seven years. Sadly too short for us but Embrace was there every step of the way! We just purchased a policy for our new puppy. Process took like ten minutes. Wouldn’t be without it.
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5

out of 5

POSTED: | BY: A resident in Texas

Love Embrace Pet Insurance

Love Embrace Pet Insurance! Great insurance with great coverage for wellness!
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1

out of 5

POSTED: | BY: Carolina Valera

One would think that having insurance…

One would think that having insurance will ease the concern of having to pay medical bills. My dog was throwing up and having diarrhea with no other health concerns. After many months of trying to get the bill covered, it is considered a pre existing condition even if 10 months have passed. Can you imagine? Dogs get into everything. You have to wait 12 months before your animal becomes ill.
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5

out of 5

POSTED: | BY: Lucia Bartoli

Embrace has always come thru for me…

Embrace has always come thru for me with any claims I have had. Even today I referred a person to you while in the Vet office for well check and well care. I start googling so I hope she signed up. It has been one full year and I have only happy tales (or is that “tails”)? Thanks for being there during this tough economic times.
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1

out of 5

POSTED: | BY: Kathryn Lynn

My dog has been having post-op rehab

My dog has been having post-op rehab. Sometimes the claims are paid and sometimes the same treatments are denied depending on the underwriter. I have used Embrace for over 10 years but will change from them for my subsequent dogs because they have become so inconsistent. Also, different underwriters give different interpretations of identical covered modalities. They have become a nightmare to deal with. and every claim turns into a phone call.
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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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