Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Cheryl

Outstanding

So very nice to make a phone call to inquire about coverage and receive friendly, accurate information about the coverage and claim process. Claim was paid and the check received seven days after surgery! I don't think it gets any better than this!
5

out of 5

POSTED: | BY: Lindsay

Helpful for first time pet owners!

My husband and I are first time pet owners and it was strongly recommended by our vet to get pet insurance while our dog was still young. We do not regret making that decision! This year our dog has had several issues which were covered by Embrace. Hopefully as our dog gets older he will be more careful with what he eats and where he walks, but in the event he is not, we can count on Embrace to help us out.
5

out of 5

POSTED: | BY: Elissa

Best Pet Insurer

Great customer service, fast payment. Never declined a claim, unlike the first company I used.
5

out of 5

POSTED: | BY: Lori

Embrace is the best! They cared about my loss of Hannah as well as my claim.

Embrace was the best. They cared about my loss of Hannah and the claim process was easy and fast. They communicated with me throughout the process. I've already added my new puppy into the Embrace insurance plan. Thank you so much.
5

out of 5

POSTED: | BY: Christine

Thank you

Great company and easy to deal with. I purchased insurance for peace of mind, never thinking I would need it. My puppy was bit by another dog and then ate something that caused a blockage. Knowing I had insurance made the vet trips a bit easier. Embrace was always available to answer questions. I saved my receipts until my year cycle was up and sent them in all at once. Embrace's website kept me updated on the status and once all was complete I got checks in the mail. The policy paid for itself. Thank you Embrace for giving us peace of mind. I also love that RX is covered for a nominal fee!!!
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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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