Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,988

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: Peggy Oliver

Embrace is simply amazing!!

Embrace is simply amazing!!! So easy to summit your claims and always get reimbursed so fast!!
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5

out of 5

POSTED: | BY: Mac

I was late to the pet insurance game

I was late to the pet insurance game. My dog was 7 when I got the policy. I knew from the beginning none of his pre existing conditions would be covered. I asked for a medical review when I got the policy so I would understand what wasn’t covered. I would recommend all pet parents get a medical review before your first claim. I never had any problems with embrace. Every time I called there employees were very polite and answered all of my qu. Unfortunately my dog ingested foreign material. He needed surgery. His surgery cost was 7k most vets make you pay the full upfront before they will even touch your dog. My dog made it threw surgery but died in recovery. I’m out my dog and a lot of money. Thank god for embrace. They covered almost 80% of the surgery my claim was settled in 4 days. It’s worth it alone for accidents and emergency.
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2

out of 5

POSTED: | BY: Ann P

Unless your dog is a puppy do not recommend

Embrace has been great for my fist dog that we got as a puppy they have covered everything. Completely different story with a dog we recently rescued who has medical issues. It took a couple days to get through to an agent to ask them questions about what would be covered. Usually the agents are really helpful and nice, this time it was like talking to a wall and having to pry information out of her. Definitely will continue coverage for my one dog but probably canceling the insurance on the other
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5

out of 5

POSTED: | BY: Debra Adkins-Johnson

Such an easy insurance to work with

Such an easy insurance to work with. Quick payments.
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5

out of 5

POSTED: | BY: Gina Scott

Embrace has been very easy to work with…

Embrace has been very easy to work with and service, when needed, has been great!
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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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