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: Anabela Behnke

Not worth it if your pet has pre-existing conditions

We enrolled for this insurance, however it was not worth the investment. One of our dogs, who is 11 years old, had a surgery to get her tail amputated due to a growth in her tail. Due to the cost of the biopsy ($750) we chose not to get the biopsy. When Embrace processed the claim for the surgery, they denied the claim arguing that the growth could be associated with a pre-existing lipoma on our dogs torso. Also, without a biopsy, there was no way of Embrace checking of the growth was related to prior health conditions. Also, of your pet is diagnosed with any condition within the first 5 months of your policy, it is immediately considered a pre-existing conditions. It's not worth the investment (our rate was just increased to $226/month for 2 dogs). We decided it's better to create a savings account using the monthly fees.
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5

out of 5

POSTED: | BY: Karlon Johnson

Very clear concise service a breath of…

Very clear concise service a breath of fresh air.
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5

out of 5

POSTED: | BY: DM

The staff are very courteous and caring…

The staff are very courteous and caring for both the pet and pet-owner. We appreciate their high level of care and level of knowledge.
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5

out of 5

POSTED: | BY: Ashley Antoine

Very easy and smooth to follow…

Very easy and smooth to follow instructions. Thankful to have this insurance. Now it is time to wait for the next steps.
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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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