Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Lin

Not satisfied

I’ve been paying every month for a year, my dog has an accident, and I submitted everything to them, they denied the claim saying it wasn’t an accident when the veterinarians notes clearly said it was an accident for acute lameness. Long story short, after I placed a call to them, they are only paying out $41 and my bill was over 200. They said I would’ve got more if my dog was in the rewards program which nobody ever told me about and it would be more money that I would have to pay monthly. I canceled.
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5

out of 5

POSTED: | BY: Mari R

I never had a bad experience with…

I never had a bad experience with Embrace, my dog has a really bad skin condition. I have to take her to the dermatologist every three months or so and they always address my claim appropriately.
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5

out of 5

POSTED: | BY: AvardWalker

Embrace makes it very easy to submit a…

Embrace makes it very easy to submit a claim
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5

out of 5

POSTED: | BY: Tbacile

Great pet insurance

I have kept 7 dogs insured with embrace for six years. Easy to submit. Good prices. Great coverage! Always insure your puppies asap. Last one was insured 9 days then swallowed a treble fish hook! Saved $500+on surgery.
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5

out of 5

POSTED: | BY: Annie Colturi

Love this Embrace Insurance

Love this Embrace Insurance, it took me a while to get the hang of it but in my defense I'm 70 and out of the loop with social media and computer tech! But I have figured it out I believe ... I have missed out on 2 claims because I couldn't figure out how to work the site.... oh well , live and learn thanks Best..., Annie Colturi PS:Love Johnny Too he's great gets right back to me
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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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