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.
4

out of 5

POSTED: | BY: Mary

Thankful for this Insurance!

It's been a tough year on my white Aussie. Embrace has been a godsend! She has several on-going medical issues that have developed since her coverage began. We've had at least 20 visits to the vet this year with numerous and expensive medications and a majority of it has been covered. Embrace service is prompt and the Claims Embracers are very helpful whenever I have a question. I would definitely recommend having Embrace Insurance!
4

out of 5

POSTED: | BY: Lisa

Claim Partially Covered

It took a while but I really appreciate the partial coverage on a medical claim for my cat.
5

out of 5

POSTED: | BY: Tom

Embrace is truly there when you need it

I have been an embrace customer for 4 years now, I have two large breed dogs. Many people ask me about pet insurance, I only have one word as a reply "Embrace". They simply are professional and reliable. They are reasonably priced and do not nitpick claims. They cover what they say they cover, there are no games. Their coverage gave me the ability to save my dog's life without having to worry about the economics of pet ownership.
5

out of 5

POSTED: | BY: Mary

So Easy To Work With!

My dog has seizures and is on a lot of medicine. I find Embrace so easy to work with and so prompt with their communication.
1

out of 5

POSTED: | BY: Susan

You pay and when you need them they don't!

We have had our dog insured for the past three years. In that time we used it for a hot spot that Embrace called dermatitis. Last month she had two ear infections and we were denied coverage due to a pre-existing condition! Really? They said that dermatitis sometimes causes ear infections. A hot spot and ear infection? I called and asked and they wouldn't do anything or take a second look. We had no other choice but to cancel our policy. I submitted bills for close to $1000 and received $164 back.
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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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