Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,369

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: Debbie K.

Great coverage in expensive area of US

I previously had another pet insurance that paid off a schedule that did not take into consideration the high cost of vetinary care in my area. EMBRACE has provided me with the ability to tailor my golden's coverage to an affordable rate while providing better reimbursement percentages.
5

out of 5

POSTED: | BY: Amanda Sprenger

Happy with this policy

My experience with Embrace has been very good. I especially like the Wellness program--which helps them as well as my animals to keep well. With the exception of one time, claims have been settled quickly and fairly. I wish they would extend their coverage to horses. I have had much better results from Embrace than from my horse insurance company.
5

out of 5

POSTED: | BY: Thelma O'Malley

I am more than pleased with Embrace .

My dog, 'precious' is a very active, young, lab/shephard mix. She was, suddenly, unable to bear weight on her back leg. Of course, it was a trip to the Vet. to see what was wrong.She had a cranial cruciate ligament tear. Currently she is doing well. It was reassuring to know that there was insurance for her. The e-mails from Embrace kept me informed on the progress of this claim. That was very reassuring. I hope I never have to put in another claim, but if so, I know Embrace will be right there. Thank you and I do encourage my friends and family to buy Ebrace.
4

out of 5

POSTED: | BY: Linda E.

OK, so far so good

My young dog seemed to have injured his back, an emergency vet visit cost $265 but it was not payable because I had elected the $500 deductible. OK, I had forgotten about that. But why did it take 3 weeks to inform/remind me of that? They did let me know about the delay though.
1

out of 5

POSTED: | BY: Christina

Do not waste your money

Every single claim I had they denied. The last one was for an eye injury which they tried to say was due to an aggressive animal in the house which is a 5 lb declawed kitten. Instead of an actual trauma outdoors that she experienced. Save your money and buy another insurance.
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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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