Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Erin

Peace of Mind!

So very happy I thought about pet insurance from when he was a puppy! Although I didn't have to use it for over 6 years, this year it really helped me out...between allergies, ear infections and an eye ulcer, I never had to worry that I wasn't able to give my boy whatever level of care he needed! Thanks so much! Erin & Carlos
5

out of 5

POSTED: | BY: Cheryl Wardenaar

You are wonderful

I am so thankful for having pet insurance. I can’t thank you enough for the great service. I’m happy that I can keep my dog in the best health and not worry about the cost. Thank you so much
5

out of 5

POSTED: | BY: Karin Lloyd

Chopper says Thank you, Mami was able to buy me a lot of Milkbones

Reimbursement was taken not to long.
5

out of 5

POSTED: | BY: Jay

Prompt review of the case and excellent resolution

Very satisfied with coverage
1

out of 5

POSTED: | BY: KKW

Pay high premiums and still be out of pocket

Plan to pay out of pocket for anything they call preexisting. And that's anything Embrace can get away with. Then plan to be denied and short changed on claims. Read your policy closely. They seem to love surprising policyholders with bad news. Your vet will have to send records two and three times to get anything processed. And if you have multiple pets, good luck sorting that out. Two dogs can be seen on the same day with claims submitted at the same time but Embrace won't have a clue or will claim not to have a clue as to why you were at the vet, what the diagnosis or treatment was. Everything will be "wellness" and denied.
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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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