Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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.
4

out of 5

POSTED: | BY: Terry

Easy No Hassle Reimbursement

I was prepared to get some kind of excuse on why my dog didn't qualify for his acl knee surgery but Embrace Reimbursed us quickly for his surgery. While I am a little disappointed in the large deductible and smaller percentage they paid than I was expecting it was beneficial to have a decent portion of this $2500 procedure covered by Embrace.
5

out of 5

POSTED: | BY: charlene

Stress free reimbursement

Everything was so fast and easy. I am not very computer literate and it was a breeze for me.
4

out of 5

POSTED: | BY: Cindy

Embrace always comes through for us!

My soon-to-be six year old Chihuahua mix, Bean is my pride and joy. However, from time to time he gets a bout of something or other and needs to be looked at by our vets. Embrace has been very good in processing our claims. I'm very happy with their service and have recommended them to my neighbors for coverage of their pets.
1

out of 5

POSTED: | BY: Stephanie

30 Refund Policy Exclusions

I am disappointed in Embrace. After signing up two 6 year old dogs and receiving their medical history review, I realized that one of my dogs has way too many policy exclusions to justify coverage. If you went to your vet to complain about ANYTHING-even if the doc only noted it and didn't diagnose your dog, it's pre-existing. Well, since I am in the 30-day "refund" (haha) period I requested a cancellation and refund for only 1 dog. They said they'd give me only a "prorated" amount of 5 bucks because I am not cancelling the whole policy. This is specified NOWHERE in their 30-day refund details. I've only been with them for 23 days and I already don't trust them.
4

out of 5

POSTED: | BY: Jessica

More time for snuggling!

Embrace has allowed us to worry less about Roscoe's health (and the ensuing costs) and more about giving him all the love and snuggles they can handle. They make the claims process VERY easy, and while we find some of the pre-existing condition terms very frustrating - only one ear infection covered per year?? - we are overall happy with our decision.
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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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