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.
1

out of 5

POSTED: | BY: Jordana

CHOOSE ANOTHER INSURANCE

EMBRACE IS THE WORST!!! PLEASE DISREGARD MY PREVIOUS REVIEW. THEY WILL FIND ANY EXCUSE TO NOT PAY!!! I WILL GO OUT OF MY WAY TO MAKE SURE ANY PET OWNERS I KNOW CHOOSE SOMEONE ELSE. I HAVE BEEN CHEATED!!!
5

out of 5

POSTED: | BY: Cullen

So glad we have Embrace

Embrace really came through for us. We have recently had a series of big expenses for our beloved labrador Tucker. It was a scary and stressful time for all of us. But Embrace came through and really minimized the stress by covering a lot of the cost. Thank you!
2

out of 5

POSTED: | BY: John

Slow Pay

Experienced slow pay on claims.
5

out of 5

POSTED: | BY: jay

responsive

I may have already responded--massive improvement -- you went from an anonymous system that never worked to personal attention from real people with knowledge. one of the best out there. Especially Sammi Tuckerman.
5

out of 5

POSTED: | BY: Kristine

I am thrilled!

Rosie, our lab mix, is almost 4. We have insured her with Embrace for about 3 years, just in case she suffered a sports injury as she LOVES to run. Recently she began to favor her left rear leg so I took her to the vet. We discovered that yes indeed, she had torn her ACL. Embrace covered 80% of my costs of a visit to the specialist and the subsequent surgery. I also discovered that I had a $100 Healthy Pet credit that applied toward the $200 deductible. I am more than satisfied, as stated in the title. I am recommending Embrace to all my pet-owning friends!
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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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