Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: DENISE IANNOTTA

They take your money and come up with every excuse not to reimburse you!

My puppy had an ear infection at 8 weeks old. Now that is a pre-existing condition for everything under the sun. They pay for nothing!!!!!!!! I took my pup to a dermatologist to make sure she does not have allergies so now my status starts again for having an issue with ear infections I explained to the customer service rep. I took my pup to see if she has any allergies or yeast. Everything was clear. NO allergies or yeast. Now I was told that breaks the 1-year cycle and I have to start all over again to be clear for a year of any ear, skin, or itching issues. It's an umbrella for all issues to be not be covered. So basically, I should not take my dog for checkups..yes because Embrace is all about the love for animals..so I should not get checkups because that is saying she is sick and has allergies. They are ridiculous!!!!!!!!!!!!! waste of time and money!!!!!!!!!!!
5

out of 5

POSTED: | BY: Jason Nichols

I was skeptical getting pet insurance

I was skeptical getting pet insurance, assumed no claims would be paid, I was wrong! So happy my wife made me get insurance from Embrace. This is a must have for every pet owner.
5

out of 5

POSTED: | BY: Sarah Ginsberg

Easy to use

Easy to use! I love the app.
5

out of 5

POSTED: | BY: Kay Simpson

13 years we had Embrace. Totally recommend. You never know when you need it. It has paid off.

13 years we had Embrace. Totally recommend. You never know when you need it. It has paid off. They sent cookies after she passed
5

out of 5

POSTED: | BY: Marilyn Winsor

My cat went to the ER in respiratory distress

My cat went to the ER in respiratory distress. They kept him in ICU for the night. The bill was quite expensive. As per my agreement with Embrace, they paid 70% of the bill, no questions asked. This was such a relief. They sent me a check in the mail, and kept me updated on the Embrace app. This was a wonderful experience.

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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