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.
4

out of 5

POSTED: | BY: Jdd

Covered claims as promised

On the whole, I’m not sold on the pet insurance thing, as my rates have increased substantially every year, even on my pets with no claims. I think the better investment is just to save for emergencies. That being said I got this on my new healthy rescue dog, for coverage of big catastrophic kinds of things. This year, he started having mysterious pain which has led us to several specialists, imaging appointments, and many meds, and embrace has been fair and prompt in covering all of the claims. I read many horror stories, so I was worried, but they have thus far paid all of the claims that are part of my dogs policy.
5

out of 5

POSTED: | BY: Mrs

Highly Recommend

We have had such a great experience with Embrace so far. The claims process is so easy. From start to finish it has been completely painless and professionally handled. We are very pleased with the service we have received.
1

out of 5

POSTED: | BY: Fabiana Arroyo

BIGGEST SCAM!!

BIGGEST SCAM!!! I signed up my dog to this insurance because he was already a senior dog. He was healthy but i did it just in case anything were to happen. A couple of months later he got sick, i went to an emergency service where I spent $2500 and then i had to take to him to the vet a few more times, I ended up having to put him to sleep because the his diagnosis him with a brain tumor.THIS insurance gave me THE HARDEST TIME; they insisted that my dog died of back pain when the vet clearly SAID he had cancer. They NEVER reimbursed me for ANYTHING. DONT WASTE YOUR TIME AND YOUR MONEY HERE!
5

out of 5

POSTED: | BY: Pam Backofen

Always fast & easy

Always fast & easy! I love our Embrace!
5

out of 5

POSTED: | BY: Tom Wilson

They are very responsive

They are very responsive, and I know our claims are carefully considered. They don't cover everything as can be expected, but they are great to work with and this has given us great peace of mind as our wonderful dog gets a little older (like me!).

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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