Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Claudia

Embrace-Best Insurance to have

I give them the highest rating possible : very reasonable premiums and an honest and easy to understand policy terms. Claim filing is very easy and they are keeping you informed on the status. Payments are quick. Every time I interacted with the Customer service ( which usually is not necessary since the process is very smooth ) they are super nice and friendly. It makes a huge huge huge difference to have insurance, when treatments are needed. Have the pets enrolled as young as possible, its a great decisions. Life saving.
1

out of 5

POSTED: | BY: Theresa

Very upset with Embrace they would not cover my dog's surgery for kidney stones since he had them in 2017 different stones.

I wish I had not signed up for this coverage as Embrace is being very unfair in payment on a major surgery to save my pet's life. Yes, he had kidney stones in 2017 but obviously these are not the same stones but new ones. How can you say they were preexisting. And to not even pay for even the endoscopy that removed the stone blocking urination is horrible.
1

out of 5

POSTED: | BY: Lisa

Easy claim, quick denial

We signed up for pet insurance because our cat is genetically predisposed to gum disease and gingivitis. We took the cat in for her yearly cleaning and were denied because we didn't have the "wellness plan" for dental. This extra wellness plan costs upwards of $50/month per cat (we have four) to cover only $650 worth of coverage. This was not apparent when we signed up, and I am very disappointed in this bait and switch. We will be shopping for other options.
5

out of 5

POSTED: | BY: Karen

I’m so happy that I Embraced my pet!

My girl required TPLO surgery to repair a torn cruciate ligament and Embrace really came through for me. I love that you can customize a policy to fit your requirements. I work at a veterinary clinic and will inform anyone inquiring about pet insurance how Embrace helped my baby!
5

out of 5

POSTED: | BY: Renee

Wonderful

They have the best customer service and they answer all your question
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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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