Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: George

They only cover FDA approved…

They only cover FDA approved medication. Premiums go up every year. Prescription dog food for an accident is not covered because they claim it is a wellness reward.
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5

out of 5

POSTED: | BY: Mary Jill Springer

Excellent Pet Health Insurance

Have carried per insurance since our dog was born, she is now 11. Embrace is easy to work with and reliable. Too bad human health insurance is not as easy and good!
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5

out of 5

POSTED: | BY: Robyn Bardsley

First Time Buying Pet Insurance

This is the first time I've ever taken out pet insurance. I'm not able to review regarding claims/reimbursement as I've not even taken possession of my kitten yet. I will say I explored a variety of policies and Embrace has the best wellness reimbursement I found. With a kitten the wellness is by far most important (shots, neuter, chip, flea/tick meds). The others have annual caps on specific wellness care where Embrace doesn't. I spoke to Jeff who was very knowledgeable and seemed as excited about my new kitten as I am! He was also very knowledgeable about Main Coons even though he's a dog person. Lol So far I am very pleased but we will see how things progress as I make claims and my kitten ages. I do understand like human life insurance cost will go up as he gets older and hope that I can continue to afford the premiums down the road.
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3

out of 5

POSTED: | BY: Zephan Melville

Great accident and illness, meh wellness, terrible cancellation policy.

Great accident & illness plan but the wellness plan is pretty terrible, netting you basically $25/year if you even cap it out. I also docked another point because they don't let you cancel your plan online. Instead you have to call them so they can try to stop you from cancelling. I'm pretty sure this policy even violates state laws in NY and California as any service that lets you sign up online has to let you cancel online as well.
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1

out of 5

POSTED: | BY: Riss

DO NOT GET THIS PET INSURANCE!

DO NOT GET THIS PET INSURANCE!! Their premiums go up every year!! We have NEVER used the insurance and the premium has doubled in the 3 years that we’ve had it. We got the insurance for our golden retriever when he was 3 months old and he is now 3 years old. He has had some health issues, so now if we switch our insurance none of the issues will be covered. Deceptive company who price gauges every year. Went from paying $65 when first enrolled, to now $142 3 years later with NO CLAIMS!!
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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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