Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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.
3

out of 5

POSTED: | BY: dc

Not very transparent.

Price is competitive against other quotes I shopped for. Wellness plan seems like a great deal. Ultimately I didn't purchase. I asked Embrace to review/advise if a particular matter would be deemed pre-existing or not, I also provided up to date medical records from my Vet to support the request. Their stance was they would not review medical records to advise on coverage until after I buy and wait for the 14 day waiting period. I get that things can come up between date of purchase and day 14, but my question was just as of today can you tell me if "X" would be considered pre-existing, based on the current records.
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5

out of 5

POSTED: | BY: Colleen

5+ Stars

I’ve used Embrace for 3 of my 4 cats( the z4th one I adopted when he was 14 so he wasn’t eligible for coverage l). All payments have been made promptly. Any payments not made were explained in detail with the option of calling for more information. Recently, one of my cats was so ill she had to be euthanized. The staff at Embrace were very sympathetic and kind. I have never had any issues with staff with this company. Everyone has always been kind, knowledgeable and sympathetic. I will continue using them my pet insurance needs.
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5

out of 5

POSTED: | BY: Linda Morgan

Very professional and helpful

Very professional and helpful
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5

out of 5

POSTED: | BY: Shabs swamy

Great Insurance and easy process to…

Great Insurance and easy process to file claims
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5

out of 5

POSTED: | BY: Tina Joshua

Glad we had Embrace pet ins

Glad we had Embrace pet ins. We lost our fur baby cat Axel. They processed our claim immediately and were very sympathetic to our loss.
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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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