Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,001

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: Brenda McKenzie

Not sure of this company…

I have not had any luck in getting a refund on my dog's bills. I will give this company 1 more chance, then I will look for another pet insurance. I hope other people had better luck.
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5

out of 5

POSTED: | BY: Padua

So knowledgeable and helpful

So knowledgeable and helpful. They make starting a new claim very simple. So happy to have found them. I thank you and Amori (German Shepherd) thanks you! Keep it going Embrace!
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5

out of 5

POSTED: | BY: Aloha

Great insurance.

My vet hospital said Embrace was one of the top two insurances they work with...no hassle, etc. When emailing or calling, I rec'd quick responses. In the 12th month of paying insurance, and then getting a notice that my premium will nearly double, I was going to reconsider, except my dog had to be in the hospital for six days. Processing the claim was within a week. I am still awaiting payment (direct deposit) but the amount to be paid is in line with my policy. Very happy except that I do not understand the nearly 100% increase in rates, unless the first year was a low ball to get me to join. Still I will continue as my $7000 bill would have been nearly impossible to pay without this insurance.
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5

out of 5

POSTED: | BY: Elizabeth Aslakson

Expedient coverage for my sick pup

Embrace online portal is easy to use to upload medical invoices and records and was very quick reimbursing payments for my pup's medical treatment. Reassuring having insurance when caught off guard by a cancer diagnosis for our therapy pup.
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5

out of 5

POSTED: | BY: Vivian Desiderio

Ease of Submission

Ease of Submission
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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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