Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,874

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: Anonymous

I never write reviews but a 5-star one for Embrace is worth it

Embrace is one of the reasons why I can afford to have a dog. They are kind, responsive, true pet lovers who are upfront and transparent about their pricing and reimbursements. I have referred every new pet owner I know to them, as they really take the stress out of owning a dog and ensure you can always provide the best for your furry loved ones.
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5

out of 5

POSTED: | BY: Grace L

Embrace is great!

Embrace is so easy to work with and easy to reach customer service.
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4

out of 5

POSTED: | BY: Meg

Very expensive BUT! Happy I have it

I was a bit skeptical because my poor doggie had so many issues this year and every year my renewal sky rockets and I was convinced her surgury wouldn’t be covered, but to my surprise they were and promptly.
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5

out of 5

POSTED: | BY: June Rubin

Wonderful as always

Wonderful as always. For the past 12 1/2 years!
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5

out of 5

POSTED: | BY: Diane Cenneno

Outstanding

Outstanding, rapid response to claims. The claims staff even prioritized my need to have my 12 yr old girl euthanized at home and had those claims processed prior to my Joes TPLO surgery. I was in receipt of my reimbursement prior to my needing to pay my credit card bill.
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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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