Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,957

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.2
  • 4.9
  • Count
  • 0
  • 17
  • 13,957

Updated: January 02, 2024

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.
3

out of 5

POSTED: | BY: Marcia Plumleigh

I have been informed that if my dog

I have been informed that if my dog, Willow, has cancer, her treatment will not be covered. Your reasoning is based on the fact that when the doctor looked at her "lumps", he determined they were only sebaceus cysts and no biopsy was required. I would think your company would defer to a doctor's expertise in determining when a biopsy is not warranted. In fact, one cyst was removed recently and it was just a cyst; no cancer. And Embrace would not pay for it. I will not subject my dogs to unnecessary medical procedures, especially when the doctor knows they are not warranted. I would think that would be your position, as well.
5

out of 5

POSTED: | BY: Brenda

I have a rescue golden retriever

I have a rescue golden retriever. He had been very abused & was very sick when he first arrived . I purchased my Embrace Insurance 3 years ago. I have been lucky, We haven’t needed it . Recently my boy has been sick. I was worried about how this process would go . It went so smooth . I sent a screen shot of my pups statement . I received a check within 2 weeks . No hassle , & straight up front . They also suggested if I have a bank on file , they can send an automatic deposit instead of waiting for a paper check . Thank you Embrace 🩷🐾
5

out of 5

POSTED: | BY: Jackie Patsouras

Thank you helping with the cost for my…

Thank you helping with the cost for my baby Maverick. It really helped a lot for my poor little fellow. I have been telling everyone about Embrace. You should be getting more phone calls. Thank you again
1

out of 5

POSTED: | BY: John Sampson

We had been with them for several…

We had been with them for several years, then they went to renew our policy with over a 100% upcharge, when we have made NO claims on the policy. I could understand a 20-30% INCREASE, BUT OVER 100% INCREASE...not someone I want to do business with anymore.

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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