Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,342

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: Christine

Grateful I got Embrace!

I got Embrace Pet Insurance to cover my dog Snow when I got hin8 months. I am so pleased with their efficiency and prompt response so much so that I added my second pet Sugar 7 months later. And as expected I got reimbursed for my second pet' Sugar wellness claim right away. I recommended Embrace to my fur parents colleagues. Thanks Embrace!
5

out of 5

POSTED: | BY: Pam Lewis

I love Embrace!

I've been with Embrace for a few years now. Every single encounter I have had with this company has been positive. Claims are handled quickly and fairly. Customer service is outstanding.
5

out of 5

POSTED: | BY: Lisa E

piece of mind

our 1 year labrador puppy has had several issues including a recent arthroscopic surgery for bilateral elbow dysplasia. Embrace had been wonderful about covering her medical bills. The entire process is easy and quick! I would highly recommend Embrace.
5

out of 5

POSTED: | BY: Bill Floria

Easy to work with

My lab/shepherd mix, Jacob, has been having seizures and is taking expensive medication to control them. Embrace has easily covered all hospital and vet visits without a hassle, as well as all medication. It's easy to submit claims. Their people have been very helpful when I have had questions.
1

out of 5

POSTED: | BY: Mike

"Pre-existing condition" is their favorite excuse.

In trying to get our 8 month old lab the surgery he needed for a CCL tear, EMBRACE refused to cover any operations. Even though we provided the puppy's medical history and a note from our vet saying this was the result of on accident that occurred during our coverage period. Apparently having several physicals where there are "no issues" with his knees/legs is not enough. In dealing with so called "Embracers", they also wouldn't accept anything from our old vet from before our coverage period. They seemed to go out of their way to call everything and anything a pre-existing condition. Do not waste your money. Unless you have a cat, then they will probably kill it.
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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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