Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,934

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: Charlie

Once Again - Excellent Service!

Charlie Brown had conjunctivitis in both eyes. This non-contagious infection was completely covered under Embrace insurance. I appreciate the fast processing of my claim and I received my reimbursement within 1 week via direct deposit into my bank account.
5

out of 5

POSTED: | BY: Angela

Great investment/ Must have for new puppy owners

Love, Love, Love this insurance. It is a must have for new puppy owner's. The support staff are always so helpful whenever we call and our claims are generally paid within 72hours. My only suggestion would be to give the providers (Vets and their staff) more education on how simple and easy it is to fill out the forms and what it means for their business.
1

out of 5

POSTED: | BY: Richard

HORRIBLE EXPERIENCE

After recommendations from vets, we went with Embrace. Upon signing up, we were told we had to wait three weeks before it would to into effect. Our first claim was denied because there was a SIX MONTH WAITING PERIOD. Once the claim was denied, there was a great note letting me know the issue would now be considered a pre-existing condition. You are better off putting the premium payments in a savings account.
5

out of 5

POSTED: | BY: Denise

Our dog's life saved!!

At the age of 2 1/2 our mixed breed rescue developed seizures. If not for Embrace we could not have afforded all of the diagnostic tests, neurology specialist and medications she has required! We were told by neurology that the most common cause of death for dogs with seizures is euthanasia because owners can't keep up with medical bills. With Embrace, Winnie has been seizure free for 6 months 😊
5

out of 5

POSTED: | BY: TM

Thankful for Embrace!

My cat Mozzi has a rare condition and recently required surgery. I'm so thankful we enrolled him in Embrace! Embrace answered all my questions and processed our claims quickly! I really appreciate having financial help so I can focus on getting my little guy completely health again!
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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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