Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Eric

As Advertised

Our dog Jessica had some problems that were quite costly. Embrace took our claim and had a refund in our hands within two weeks. It is nice knowing that if Jessica has any major problems all we have to cover is the deductible. Rather have a small monthly fee them a surprise bill in the thousands! Great piece of mind.?
1

out of 5

POSTED: | BY: Cory

Embrace does not cover valid claims

Please don't waste your money. I've insured 3 elderly dogs here for 2 years. I've only filed one claim for a surgery and they claim it is from a pre-existing condition, though our well respected surgeon has rebutted this claim. I am in the process of filing a lawsuit.
5

out of 5

POSTED: | BY: Precious

Thank you

I am so thankful that I have pet insurance for my best friend when they needed. When my dog fell ill Embrace was there to help cover my cost to do the necessary procedures for my pet and ease the burden. I don't know what I would have done without them.
5

out of 5

POSTED: | BY: Mary

Great

I've had insurance for my Newfoundland for over 3 years & have found it to be wonderful.
5

out of 5

POSTED: | BY: Koren

Cover Alternative/Holistic Treatments!

Our 1 year old puppy had tonsillitis and was in the hospital for two days. He was discharged on a very expensive antibiotic and received outpatient ozone treatments, After our $300 deductible, Embrace has paid 80% of his treatments, including the ozone treatments! When it is an option, I prefer alternative/holistic/natural therapies for our dogs. I am so happy they are covered! And, we are reimbursed in a timely manner. Thanks, Embrace!
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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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