Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,895

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: Michele

Enrolling in Embrace for my two CKCS has been the best decision!

I have two cavalier king charles spaniels (ages 3 and 10) and have had nothing but positive experiences with Embrace and recommend them to anyone who inquires about pet insurance.
5

out of 5

POSTED: | BY: Kristin

Embrace Insurance is the best!

My 8.5 year old Frenchie suddenly started having seizures out of the blue. All of his claims have been covered - from his initial treatments to his neurological consultations, his MRI and his consultation with an oncologist after he was diagnosed with glioma (brain cancer). Embrace has given me a peace of mind during this stressful period. Their coverage is fantastic and their claims process is easy (I have even had to submit some claims on my own vs. the clinic submitting on my behalf and had no issues). Once approved, payments are in my account the next day! I would highly recommend!
5

out of 5

POSTED: | BY: Anthony

GREAT AND EASY

Great and easy to deal with
4

out of 5

POSTED: | BY: Ebba

Great for elderly cats!

Very happy to find a company that would cover cats over 13, and at reasonable rates, too. And all staff were warm, friendly, and helpful. I was only unhappy with one claim adjustment, which I thought quibbled over some irrelevant words and thus reduced the amount awarded substantially. But claims were paid promptly, and I was very impressed with the expressions of sympathy I received when my cat died.
1

out of 5

POSTED: | BY: Valerie

Everything is considered pre-existing so they don't have to ever pay.

Even when your Veterinarian tells them this claim is not related to any pre-existing condition, and you file an appeal because you know you're correct. They claim to know more than the Vet. (waste of money.) They don't pay for anything, read the policy fine print. Your better off to put the money in the bank. I didn't need them, I have never had insurance, and will never do it again.
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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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