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: Tim

Wonderful Experiences

Each time we submit a claim we are provided with an update to ensure that we know the status, not to mention we can check online. The process is seamless and they are available for questions if you ever need anything. I am glad I purchased the insurance and would recommend it to any pet owner. My main piece of advice would be to get it early.
5

out of 5

POSTED: | BY: KC

Great experience

My puppy Sammy gets into everything and has quite a few vet visits. Embrace has promptly reviewed and paid my claims with no issues. Very happy with the service.
5

out of 5

POSTED: | BY: Tracie

Happy

have had Embrace pet insurance for 5 years and have not needed it until recenlty. My dog began having heart problem at he age of 9.There are a few diffent policies that one can opt for, but I believe the one I chose worked best for me. In all the insurance has paid for it self.I had to submit 3 claims within aprox a month and they were all accepted, diagnostic for his heart condition. With this help my pet will be able to live a longer happy life, Thank You embrace for your promptness and care.
5

out of 5

POSTED: | BY: Nancy

incredibly caring

Pet insurance is so important for peace of mind. Embrace Insurance has been there for us over the past 18 months.They are straight forward and caring.
1

out of 5

POSTED: | BY: Mike

Waist of Money

We got a 4 month old Terrior who has gotten sick several times first with upset stomach, then an ear infection and finaly was diagnosed with Hip Displaysia and had surgery all before reaching 9 month. I got insurance when she was 6 month old and nothing i listed above was covered by embrace. They brushed everything off as a pre-existing condition which is not covered. I don't know about you but i don't see how an upset stomach in a 4 month old puppy becomes a pre-existing condition. I understand not covering a $2000 surgery but not covering an $120 vet bill for an upset stomach?
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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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