Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Luciano Bulu Natrielli

Always a pre-existing not covered condition.

My dog ​​was adopted when she was 2 months and is a stray dog. She has all his vaccinations and at every visit to the vet for vaccinations there is a report saying that the dog was in good health, since this is a condition for the dog to be vaccinated. She has never been sick and we have never had to take her to the vet. She started limping because of a bacterial infection that was misdiagnosed as an orthopedic problem and then referred to another clinic that made the correct diagnosis. Embrace used the first misdiagnosis to claim pre-existence in a puppy, and it took more than a month to return with the denial of the claim.
5

out of 5

POSTED: | BY: Maria

So glad we did…

When it was suggested I get accident and illness insurance on my healthy 7 year old dog I thought I would be “wasting” our money. I got it anyway and am so happy we did. My girl was diagnosed with anal gland cancer and Embrace was there to help absorb some of the cost.
5

out of 5

POSTED: | BY: Larry Hudnall

Never thinking I would need pet…

Never thinking I would need pet insurance I think my pup got sick because I did. When did get sick and had three appointments the claims were submitted and refunded quickly. I want to thank Embrace for theie great service.
3

out of 5

POSTED: | BY: Sandy Jimerson

Difficult for older folks to…

Difficult for older folks to use…especially under stressful circumstances…..loss of pet.
5

out of 5

POSTED: | BY: Jim

Claims are easy, pain free!

Claims are easy as process is straight forward and refreshingly clear. A well-structured web site.

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 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.

Get a quote today

Leave a review