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: Micah Porter

I'm not sure I will continue with this company …

I'm not sure I will continue with this company. They never seem to cover anything, even wellness. You have to add on wellness, and its basically a savings account you pay into. Any balance does not roll over year to year. I will also add that when you recieve a denial, it is from an AI generated claims provider. So, I am not conviced that an actual human is making the decisions that affect my pet's health. Much like their response to my review ...
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5

out of 5

POSTED: | BY: Marmie May

To submit my claim online was SIMPLE

To submit my claim online was SIMPLE! This took about 5 minutes! I love Embrace.
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5

out of 5

POSTED: | BY: J Joslyn

Thanks to Embrace for Helping as We Lost Stash

Thanks to Embrace, the loss of our beautiful 13.5 year old Australian Shepherd Stash was easier. First, we were shocked to find Stash had cancer in his lungs and brain after we took him to the ER after a stroke. He had just recovered from ACL surgery. We asked why didn't the orthopedic vet identify the cancer through that process? When we took Stash to the Emergency Room, we thought it was the end. However, the ER vets prescribed drugs to help Stash last a bit longer--comfortably-- so we could say goodbye. We got two weeks and then we knew Stash's time had come. We were able to get another vet service to come to our house where Stash had his last moments in his favorite place in our yard--with us. We could have done all this without Embrace, but the insurance took the large sting out of an already difficult experience. We are grateful for Embrace insurance. They responded quickly and supportively.
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2

out of 5

POSTED: | BY: Elizabeth Adams

Nope nope nope nope

Nope nope nope nope
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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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