Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,930

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: Ron W

I have had Embrace since my dogs were…puppies

I have had Embrace since my dogs were puppies. Embrace relieves the anxiety of my dogs get hurt or sick and the bills I might incur.
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1

out of 5

POSTED: | BY: Nicki Egan

50 percent rate hike

I had no claims for the past year and only 1 small claim the year before and they hiked my rate by 50 percent so I would be paying nearly $3000 a year. Luckily I found better, less expensive coverage through Lemonade.
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1

out of 5

POSTED: | BY: J.S.

A scam “insurance” company

Didn’t want to approve a claim for an ear infection because of a skin infection (which was caused by a reaction to new soap) 8 months prior. I had fetch before, I should have never left fetch. 600 dollar policy got me nothing, what a scam.
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5

out of 5

POSTED: | BY: Iggy’s Parents

Senior cat

We continue to be impressed by the service provided by Embrace. The process is simple and the staff is easy to talk to. Highly recommend for families with pets, it has allowed us to take the best care possible of our senior cats.
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5

out of 5

POSTED: | BY: Ernesto Valdes

They responded quickly to our claim

They responded quickly to our claim. Took 2 days. What a great experience .
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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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