Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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.
1

out of 5

POSTED: | BY: Bruce

Embrace Pet Insurance Doesn't Tell You Everything

I cancelled my dog coverage with Embrace in March, 2022. Unknown to me, they emailed a request to collect $218 for unused Wellness benefits (I just found out it went to "Junk Mail") They had paid us $450 for cremation and Vet expenses after our dog died in February, 2022. Since their email (nothing was mailed to us and no phone call to us) went to "Junk Mail" so we never knew they were trying to collect from us. So, the bottom line is they sent this to a collection agency. We paid the collection agency, which I believe is a rip off - $220 for coverage that represented the months left in the year after we had cancelled the policy.
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5

out of 5

POSTED: | BY: Wilfred Thomas

Made it easy

called to see how to make a claim and the associate explaind to me what to do, it was easy. Thank You.
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1

out of 5

POSTED: | BY: TCM

Disappointing

Disappointing. Ear Infection denied for a pre-existing condition of skin itch as another "dermatological" condition. I feel that the intention is not to pay the claim and figuring out how to do that as opposed to offering some real pet insurance
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5

out of 5

POSTED: | BY: Catherine

I am very happy with Embrace Pet…

I am very happy with Embrace Pet insurance and just increased my policy to include wellness coverage. The people at Embrace have been very helpful and easy eager to help.
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5

out of 5

POSTED: | BY: Monica Buensuceso

Excellent insurance

Excellent insurance
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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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