Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,001

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: Pro

Beware of "pre-existing" conditions!

Well, I haven't had the opportunity to embrace Embrace. They decided that, because my cat had had a tooth pulled many years ago, under a different pet insurance, that his dental is a pre-existing condition and they will not cover anything related to dental. IF I have his teeth cleaned (at my expense) the exclusion is removed, and then they will cover a broken tooth. However, they will not cover the broken tooth extraction during the teeth cleaning, so I would have to put my cat under anesthesia a second time for extraction. VERY disappointing.
5

out of 5

POSTED: | BY: Diane

Awesome

Embrace is the best. Everyone I talked to were helpful and concerned about my puppy. Laura was the one I dealt with the most and she was wonderful and worked diligently to process my claim in a prompt, professional manner. My daughter recommended Embrace and I can see why. I highly recommend Embrace to all.
5

out of 5

POSTED: | BY: Steph

Simple and easy

I used Embrace Pet insurance for the first year of my pup's life. They have a simple claims format, you have to do the work to submit claims, but it was really easy and straight forward. I utilized their wellness plan as well and they did a good job at reimbursing any charges related to a wellness plan. Customer service was prompt and not pushy ever. I will use them again if we decide to insure our dog in the future!
5

out of 5

POSTED: | BY: Sharon

Thank you, Embrace

After adopting a dog 2+ years ago, I had the foresight to get Embrace Insurance. My dog is Cavalier Spaniel/Corgi mix. He has now had 2 back surgeries, emergency care for extreme vomiting/diarrhea and another surgery for removal of bladder stones. Without this insurance, I would not have been able to provide this medical care and he would have been put down. Yes, the rates are raised a lot every year but they have saved the life of a formerly abused dog that had no concept of love or petting until my adoption. Thank you for being there with timely reimbursement and no hassles. I never anticipated how much I would need them. Harley is now a very happy, loving dog, not to mention one of the most expensive mutts in the world now! You have saved his life.
5

out of 5

POSTED: | BY: Patricia

Embrace Pet insurance is excellent

Embrace Pet staff are always extremely helpful and very courteous whenever I have called upon them for my pet insurance needs.
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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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