Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,342

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: bill rouse

Once again Embrace is OUTSTANDING.

Once again Embrace is OUTSTANDING. It is stressful having a puppy that requires a lot of personalized care. Embrace helps reduce the stress. For that my wife and I are truly thankful.
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5

out of 5

POSTED: | BY: Joshua Collins

You guys are the best!!

You guys are the best!!! Took all my worries away my little Mona thanks you & as I!!
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3

out of 5

POSTED: | BY: Mary Joyce

Frankly I never used the insurance for…

Frankly I never used the insurance for the 6 months I had it before I decided to cancel. What I can say is the process to cancel was extremely easy and the lady who helped me was awesome.
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5

out of 5

POSTED: | BY: Alisa Spencer

Excellent Experience

I had a wonderful experience with Embrace during a hard time. My 1 year old golden doodle Jackson was terribly sick and had to been seen at an emergency clinic and then transferred to a specialty hospital for continued care. I sent Embrace the receipts and medical records and the reimbursement process was quick and there was no hassle.
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1

out of 5

POSTED: | BY: Aaron

Useless Scam

Went with embrace for coverage for my three dogs wellness health. Figured with three dogs we might have problems and didn't want to run into any scary situations where we couldn't pay. This service was totally useless. Didn't cover wellness. Didn't cover spaying. Didn't cover dental. But they do write nice letter saying that they need more invoices. Please don't waste your money. This is a total scam. They never paid or reimbursed for one claim on any dog for the year that we had the service. And that's after we had met our $500 deductible on each dog.
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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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