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.
1

out of 5

POSTED: | BY: Reverend Bob

It’s about making a profit, not about the pet or the pet owner

It’s all about money and not about the pet owners like I have always said and I will continue to say so. This is why I’m not keeping it. The company is making money, not losing money with the pet owners. I would not recommend Embrace to anyone.
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5

out of 5

POSTED: | BY: Rose

It's expensive but very good service

It's expensive, and rates have been raised recently by quite a bit. Having said that, when you need insurance, you need it. I am extremely grateful for the ease of filing claims and the prompt service by Embrace. They are simply the best. I look at it as prepaying for services, honestly. When cats really need help, Embrace is there.
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4

out of 5

POSTED: | BY: Michael Fox

Embrace review

The explanations of what was and was not covered was in depth and easy to understand. We were kept in the loop every step of the way and very pleased with the person who handled our claims
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1

out of 5

POSTED: | BY: Na

Worth the money?

I pay $770+ a year for an insurance policy. When we took our dog to the vet it cost us over $600. We were reimbursed $80. The math isn’t mathing.
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3

out of 5

POSTED: | BY: erica diioia

Very little has been paid for from any…

Very little has been paid for from any of my claims. Not sure where the monthly funds are going, I may cancel it if they do not cover any of my latest claim.
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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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