Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,874

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: Linda

Very good Pet Insurance

My dogs have had Pet Insurance with 4 difference companies. Embrace had been my favorite Pet Insurance Company. They review claims with a couple week, direct deposit reimbursement. There have been few surprises. It is expensive Insurance, but I have been glad to have it.
5

out of 5

POSTED: | BY: Jeanne

The only way to go

We continue to be 100% pleased with and impressed by Embrace - they are quick to respond to and process claims and we have never had an issue go unresolved. The policy is everything it is promised to be including giving peace of mind. We high recommend Embrace to all of our friends and to anyone interested in securing great coverage for their pets!
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.
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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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