Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Lynda

Debateable pre-determined injury/problem

My boxer pit bull mix has been routinely active as a therapy, companion, and protection support canine with a minor incident of a pulled muscle on one rear leg over two years ago {before insurance coverage} and now a similar action has been denied and determined as pre-occurred regardless of which leg {like a human tennis elbow}
3

out of 5

POSTED: | BY: Lynda

Okay so far

Wellness program great but not very high in coverage
3

out of 5

POSTED: | BY: Lynda

Regret not getting coverage before thyroid determination but something is better than nothing.

Ordinarily my Siberian is completely trained for pet therapy, companion, obedience and socialization and other than having to be treated for thyroid {same as me for life} she is extremely healthy and recognized by the community.
5

out of 5

POSTED: | BY: Christine

So Thankful for Embrace

I'm so thankful that we have Embrace, the whole claim process is easy and I couldn't be happier with my entire Embrace experience!
5

out of 5

POSTED: | BY: Anthony

Embrace provides a good service

I have had an Embrace policy on my two boxers and have been more than satisfied. I have recommended Embrace for the coverage they provide, the good service and the willingness to consider your questions.
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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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