Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Barnett Stephanie

Huge disappointment

I d not know if I will renew with your company. To say a skin rash 8 months ago is related to an ear infection is absolutely absurd, especially when the Doctor states otherwise. That would be calling the doctor a liar.
5

out of 5

POSTED: | BY: Mary Crever

Fast, Efficient, Wonderful

My dog has had her 2nd ACL surgery and just like the first Embrace has covered it as defined by the plan. It was fast and easy. I received payment faster than I would for my own insurance. Simply wonderful service.
5

out of 5

POSTED: | BY: Sid

Happy my pets claim was covered

Very happy that my pets claim was covered
5

out of 5

POSTED: | BY: Rianne M.

Love the Wellness Program!!!

We got a new puppy in March and puppies can be expensive! Between shots, training, grooming, etc it adds up! Thankfully, we have the Wellness Program through Embrace and are able to get reimbursed for taking good care of our puppy!
1

out of 5

POSTED: | BY: Kim

READ THE FINE PRINT!

We recently switched food brands, for our dog. Unfortunately he experienced diarrhea. Long story short, 2 visits later and all tests being negative, the Vet figured out it was the food. We switched him back and he has been AWESOME. However Embrace was not. According to their "fine print" your pet must be free from diarrhea for 12 months, they consider that a preexisting condition and will NOT cover it, although my Vet assured me that the notes were in the file, something Embrace is also insistent on, they still interpreted it as preexisting. So I recommend you SHOP ELSEWHERE.
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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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