Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: R Hoyt

Seems that when you need them the most…

Seems that when you need them the most they find a reason to exclude a need for your animal. After a year of paying them over $2000 and not submitting a single claim. Also getting ready to renew for another year at $2500, they deny a service. So, they got cancelled.
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5

out of 5

POSTED: | BY: Ken S. AKA Las Vegas Lounger

So easy to work with Embrace

So easy to work with Embrace, the claims process is so easy, and they are very diligent about their care of their patients (our pets).
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2

out of 5

POSTED: | BY: Michelle

I cancelled and went to another…

I cancelled and went to another company. Embrace is difficult to deal with.
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5

out of 5

POSTED: | BY: Gilda Culberson

Good options easy access on line and on…

Good options easy access on line and on the phone.
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1

out of 5

POSTED: | BY: Laura Wooding

Loopholes and unclear wording

They take advantage of pet owners looking for a little peace of mind for when their beloved animals need help and then will look for any reason to not pay. Do not waste your money.
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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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