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: judith

HONEST AND FAIR

Niko got a cut on her nose by going into bushes going after lizardsSHE KEPT LICKING HER NOSE SO SORE WOULD NOT HEAL. DR. SONG GAVE HER A CORTISONE INJECTION TO HELP HEAL IT AND STOP HER FROM LICKING THE CUT. I AM VERY HAPY WITH EMBRACE INSURANCE. THEY ARE VERY RELIABLE AND HONEST.
5

out of 5

POSTED: | BY: judith

HONEST AND FAIR

Niko got a cut on her nose by going into bushes going after lizardsSHE KEPT LICKING HER NOSE SO SORE WOULD NOT HEAL. DR. SONG GAVE HER A CORTISONE INJECTION TO HELP HEAL IT AND STOP HER FROM LICKING THE CUT. I AM VERY HAPY WITH EMBRACE INSURANCE. THEY ARE VERY RELIABLE AND HONEST.
4

out of 5

POSTED: | BY: eric

Timely reimbursement

My dog Annie was diagnosed with kennel cough after being brought to daycare at a local veterinary facility. I submitted claims for veterinary appointments and related treatments to Embrace for reimbursement. Reimbursements were fair and completed in a timely manner.
5

out of 5

POSTED: | BY: Tracey

Speedy

I just signed up for EMBRACE a few months ago.I received my payments very quickly for my cat's blood work and dental cleaning. The emails were very helpful thank you ! Tracey
2

out of 5

POSTED: | BY: Peter

Used to be great, now worthless

They just denied a claim for by dog's rectal inflammation because 4 months ago he had a claim for an ear infection. This is such a huge switch from when I first had Embrace Pet Insurance, where almost everything I sent in was covered. It was so easy. Now each time there is some odd reason for them not covering it. I am going to begin looking at other providers.
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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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