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.
5

out of 5

POSTED: | BY: Pam Baucom

Embrace really came in handy.

I never really thought about getting pet insurance but when it was sponsored by UAAA I decided to give it a try. I am so glad I did. Yearly checkups and shots for my 3 cats were totally covered and then one of my cats got IBD. All tests and medication was covered and Embrace made it so easy. I’m quite happy I made the decision to get it.
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3

out of 5

POSTED: | BY: Cristiana Mauricio

Claim took too long to review

Claim took too long to review, almost 2 months.
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5

out of 5

POSTED: | BY: Jayme s

Best Insurance out there and the best…

Best Insurance out there and the best service available. Every time I've had something come up it has been painless and everyone has been so kind over the phone when I have questions.
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1

out of 5

POSTED: | BY: Stephanie Byrd

It’s just like any other insurance

It’s just like any other insurance, they try to find a way to not pay for anything possible. I am cancelling because my dog had a mass removed recently and they say just bc a mass was located on another part of her body prior to start of the policy they will not cover any masses on her at all. Do not recommend.
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5

out of 5

POSTED: | BY: Colleen Egan

Embrace is the best

I've had Embrace for 1 cat, and now another cat, and I have been very satisfied with their service. Claims run through in a reasonable amount of time. I recommend them to all my friends.
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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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