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.
5

out of 5

POSTED: | BY: John DeLeo

Very Understanding and Sympathetic

We had to euthanize our 13 year old Brittany so I had to call Embrace to cancel her insurance. Ash was very helpful and understanding as he walked me through this painful experience. Embrace has been great covering my Brittany's medications and frequent doctor visits in the last year. I plan on keeping my insurance on my other 2 dogs with them and if we decide to get another, we will without a doubt insurance it with Embrace.
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5

out of 5

POSTED: | BY: Christine Nelson

Great experience with Embrace

We have had Embrace for several of our pets and been impressed with the timeliness of their claims process.
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5

out of 5

POSTED: | BY: Bronxgirl Eclectic

The death of my dog.

She was warm compassionate and totally understanding of the loss of my dog.
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3

out of 5

POSTED: | BY: CJ Garcia

Is kennel cough really a preexisting condition

Up until this point Embrace has been great. My dog got kennel cough from daycare and the claim was denied because back in December, before we adopted her and before the policy took effect, she was diagnosed with an upper respiratory infection. They are claiming the Kennel Cough is a preexisting condition because it “could have been kennel cough” back in December. It’s maddening that I’m even in this boat given that … wait for it … KENNEL COUGH IS NOT A PREEXISTING CONDITION!!!! UPDATE: Sometimes it’s better to not reply to your patrons. Citing the policy and getting defensive is not a good look. Instead perhaps look at options you can provide your customers to potentially avoid situations like mine. Just a thought!
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5

out of 5

POSTED: | BY: Simone G

Fast easy to use site

Fast easy to use site. Company is very responsive.
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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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