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: Brittany Martino

Great Pet Insurance

I have insurance for both of my pets and Embrace isn't the first company I've used. Submitting a claim is easy, they pay what they should. My 2 year old cat is sick and no one ever expects to deal with that. Having reliable insurance has made the experience so much easier. Now I can worry about her, instead of the money.
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3

out of 5

POSTED: | BY: Mary Jo Wirth

Unfortunately

Unfortunately, my conversation with the Embracer (which was going great) was disconnected. Luckily, we had covered most of my questions. There was 1 left which I figured out on my own
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1

out of 5

POSTED: | BY: J fluff

I can't cancel my subscription

I can't cancel my subscription. I've been trying every day now and they keep saying they can't.
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5

out of 5

POSTED: | BY: Steven Ladrido

Embrace has been a Fantastic Insurance for us and our Pup!!!!

Embrace has been such a relief and asset for our family. They are always willing to listen give suggestions and make sure you throughly understand. I would not hesitate to refer Embrace to Family, Friends etc. Thank You Embrace
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1

out of 5

POSTED: | BY: Drew S.

No bang for the buck

I’ll write my review with numbers: $150 a month for 5 years = $9,000 $750 claim w/ only a $227 reimbursement $341 / month new premium after claim as punishment for using the policy. It would be so much smarter to take that $150 (or $341) and put it in a HYSA to prepare for an emergency. Then if nothing happens to your pet, you have over $9k in your bank account. Don’t use this company.
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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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