Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: JP

Wonderful Experience with Embrace

This was the first time we ever had to do a pet insurance claim. We really didn't know what expect because our dog fractured her leg and she had to have surgery along with follow up visits. The portal to turn in the invoices made it very easy to do and within a few days everything was approved and we were paid out very quickly. In a day of "customer no service", this experience was incredible. A big thanks to Embrace!
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5

out of 5

POSTED: | BY: Kristina Umbright

My almost 3 year old Great Pyrenees was…

My almost 3 year old Great Pyrenees was out playing and injured her knee requiring an ACL surgery. Because we had our insurance policy we were able to afford the surgery and aftercare. Embrace has been great, all I did was send them our medical records and they mailed us a check within a few days! Great Experience!
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5

out of 5

POSTED: | BY: Cari

Embrace Pet Insurance - Worth It!

Embrace Pet insurance proved to be affordable and offered excellent coverage and ease of filing claims online. Their staff was professional, courteous and friendly.
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1

out of 5

POSTED: | BY: Jessica and Rick Kemler

My monthly premium increased from $45…

My monthly premium increased from $45 per month all the way up to $53 a month the very first year. I never made one claim. I was told that the increase was because many owners of pugs had made claims that year. Uhh..that’s like saying other Mazda owners had made claims, so as a Mazda owner, I am forced to pay more for insurance, although I had zero claims. Ridiculous! I cancelled.
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1

out of 5

POSTED: | BY: Chris

Terri le coverage.

Terrible coverage. I never got anything back. I've decided to set aside the 125 dollars monthly payment for my dogs in case of an emergency.
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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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