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.
5

out of 5

POSTED: | BY: Marni

Orthopedic Claim

Embrace covered everything they were supposed to. My dog hurt her leg and they covered the xray, pain medication, and exam. The claim took a little longer to process than it was supposed to but they kept me posted by email and were very easy to deal with. This is our first pet and I am glad I chose Embrace.
5

out of 5

POSTED: | BY: Robert

Great Pet Insurance Co

My dog had skin problem with his bulldog curly tail I got updates weekly from Embrace to let me know regarding my claim , great company to deal with .
5

out of 5

POSTED: | BY: Beth

Excellent experience

I have been with Embrace since the birth of Frosty (Lab). She's 4 years old. I have been very happy with the service and have recommended Embrace to friends.
5

out of 5

POSTED: | BY: SJK

Simple straight forward claim

It has been a very straight forward to deal with Embrace. We're newly insured, and so far so good! Thank you!
1

out of 5

POSTED: | BY: Mark

Disappointed

I purchased Embrace pet insurance thinking I was doing a good thing when I rescued my 3-month old puppy. However, 1-week prior to receiving coverage, my puppy was treated for a bladder infection. Little did I know that this would have resulted in a pre-existing condition and all of my future claims, because my dog is prone to it due to her inverted vulva, have been denied. On top of this all claim processing is extremely slow.
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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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