Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Victoria Silva

GREAT INSURANCE

I have had Embrace insurance for my current dog and my previous dog. They have been outstanding. I know exactly what I get and what I have to pay for and it has been a total piece of mind to have this insurance covering my animals.
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1

out of 5

POSTED: | BY: cecilia oddone

It is useless

They look for any reason, even if your pet has visited the emergency room because it was in pain and has no diagnosis, they use that as a basis to avoid paying any bills. And when you make a claim, not only do they not pay, but they raise the monthly payment to almost double for the following year. I do not recommend it, it did not help me at all.
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1

out of 5

POSTED: | BY: Wood W

After several months evaluation they…

After several months evaluation they covered virtually nothing for my dog. Then they would not accept my email to cancel. No cancel feature online or in app. You have to call. Horrible experience
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3

out of 5

POSTED: | BY: BPM

Embrace is Good Overall

Embrace is generally good. Sometimes it’s frustrating to get auto-generated emails about claim status without the details needed to make it progress. They’ll say they’re contacting the vet for medical information. The problem is that the information seems to have already been provided and they don’t specify what’s missing. Other than these situations, Embrace is reliable and easy to use.
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1

out of 5

POSTED: | BY: Al Poskanzer

This company will use any excuse and…

This company will use any excuse and any liberal way of interpreting medical results to weasel out of paying a bill. They declared Valley fever to be a pre-existing condition when a titer result was questionable to a vet. Then when a subsequent titer was negative, they declined to reclassify. This was but one example. Every claim was questioned using a phony interpretation of symptoms. DON'T BUY THIS INSURANCE!
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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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