Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: William G.

I highly recommend Embrace Pet Insurance

Embrace pet insurance offers reasonable rates and is very easy to submit wellness or illness claims. I'm going into my third year with them and can't say enough about the peace of mind I have knowing my cat has coverage for expensive vet bills. An excellent service!
5

out of 5

POSTED: | BY: Jackie Torres

Reimbursement for Vet Services

I am absolutely satisfied with the manner Embrace resolves my veterinary claim for my pet dog Pono. They are quick and always keeps you in the loop of the process period. I am so glad I am covered with Embrace.
1

out of 5

POSTED: | BY: Gabrielle Lessard

This coverage is a fraud

I switched from another pet insurance company to Embrace in May 2017, because it was conveniently offered by my auto insurance carrier. It was an expensive mistake. The policy language states that there is a TWO WEEK exclusion for illness and a one year exclusion for CHRONIC conditions. My dog developed diarrhea after the two week exclusion ended. Believing that she was insured, I took her to the (expensive) emergency vet and agreed to a $300 blood test. The blood test showed some elevated levels, so I followed up with her regular vet. I submitted claims for both visits, which were denied on the basis that an unrelated episode of diarrhea 10 months prior was a pre-existing condition. Now I have to waste my time and my vet's time proving that my healthy dog does not have chronic diarrhea. Fortunately I live in California where we have an active Attorney General and strong consumer protection laws.
5

out of 5

POSTED: | BY: Jan Conner

Excellent Service!

Can't say enough good things about this company. We have a year old Bull Mastiff puppy that has had numerous problems since he was very young and Embrace has covered everything just as they said. I would definitely recommend them to anyone looking for pet insurance can't get much better.
5

out of 5

POSTED: | BY: Tina

Best pet insurance ever!

I have been so pleased with Embrace Pet Insurance company. Claims are rapid and never any quarling over our dogs claims. I cannot be happier. Thank you Embrace for a quality company!
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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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