Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Christine Rominger

Communication could be better as to if info is missing plz contact insurer ty

The claim took almost 2 months to process with little to no communication unless I iniated it . I think communication could be improved ty.
5

out of 5

POSTED: | BY: Charity

Stay away!

Don’t choose this company, they will do everything they can and possible to deny your claim!!! Our 2 yr old cat got cancer and after much email and calling back and forth to figure out why the claim was taking so long they just wanted confirmation that we didn’t have our cat during a certain time period and he didn’t go to the vet during that time not that It affect our pet insurance. Then they now are saying a scar from a scratch he had gotten when he was 7 months old is a preexisting conditioning for cancer (lymphoma at that)
5

out of 5

POSTED: | BY: Ginny H.

The best company for covering all your health needs for giant breeds

Embrace was recommended to me by fellow Newf owners. Giant breed dogs have many health issues which come at a tremendous expense, including the premiums for the insurance. I've been so thankful for the reimbursements at every turn of events during my dogs life and continue to feel the policy is worth every penny. I would recommend tagging on the Wellness package if you can afford the added expense. I do not have this and it would have been beneficial when he went on a prescription diet plan.
5

out of 5

POSTED: | BY: Amy Fruchtman

Great coverage!

I got Embrace insurance so I wouldn't have to think twice treating my Fiji for any illness she may have. Now after 12 years with them she's having cancer treatments and they've been great covering it!
5

out of 5

POSTED: | BY: Valerie Gillman

Embrace insurance has saved me lots of money, lately.

For years I have paid monthly, but since my cats were healthy, didn't get much back(except well cat charges), but it seems that once they hit 11 years old, things got serious. I'm glad they were signed up for this insurance when they were kittens! If it weren't for Embrace, I would have a bill that would take a while to pay. Embrace never argues, they pay the bill cheerfully and I haven't had to make any dreaded decisions because of money. Thanks Embrace.
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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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