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.
5

out of 5

POSTED: | BY: henry

Sick pups

We took out Embrace Pet Insurance when the girls were first adopted back nearly 4 years ago. The first 2 1/2 yrs we had very few claims to put in. However, over the past 18mo our girls have had a series of mostly minor health issues and one fairly major concern. The major concern required many costly tests to find out that for now there is not much we can do. However, Embrace paid what they were supposed to and this helped with what could have amounted to over $1200 worth of bills. I would HIGHLY recommend these folks if you are wanting to insure your pets healthcare.
5

out of 5

POSTED: | BY: Jennifer

Smartest decision we made

So glad we got pet insurance through Embrace. Anytime I've called, I've always had my questions addressed by friendly and knowledgeable agents.
1

out of 5

POSTED: | BY: Laura

Denied

My dog had a skin tag prior to getting the insurance so when he was diagnosed with a large cancer mass they said it was pre existing condition! Never buy this insurance they have an excuse for every condition your dog may have.
5

out of 5

POSTED: | BY: Allan

Member since 2014

I have been a member since 2014. I have covered both of my cats since they were kittens. I only have good things to say about Embrace and I would recommend it to anyone who is looking to insure their pets. When it has been time for repayment, Embrace is quick and without drama. I only have two words left. GET IT. For me, the tell you about my pet section isn't accurate, because I am telling you about my overall experience.
5

out of 5

POSTED: | BY: Rachell

Very thankful for Embrace!

This review is a little late so bear with me but I spent the entire summer dealing w/my little rascals stomach bug, virus, whatever he got into. My total expenditures on my wonderful Finn were close to $1,000! After hitting my $300 deductible Embrace covered 80%! Without my insurance it would have been a much more expensive summer! Finn gives Embrace an A+
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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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