Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,889

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: Random Child p

Embrace has helped me save my girl

Embrace has helped me save my girl. She has been battling Pythiosis for the last 8 months and I would not have been able to afford it if I did not have this insurance! Thank you Embrace!
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5

out of 5

POSTED: | BY: Theresa Ortiz

So easy

So easy, no worries that it wasn't done correctly.
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5

out of 5

POSTED: | BY: Lisa

Easy to navigate and simple

Easy to navigate and simple
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5

out of 5

POSTED: | BY: Rach

I’ve had this insurance for several…

I’ve had this insurance for several years, this is the only brand I would recommend. They’ve helped me so much with everything, I would not have my dog without them. It should be a consideration like I have to pay for dog food, it’s just necessary and goes into the cost of owning a dog. I wanted the freedom of not needing to depend on anyone financially. Even with the worse possible eventuality, like my dogs 5 syllable chronic disease, I’m still doing well and so is she. That’s because of Embrace, I don’t think any other insurance would’ve stuck by me like they have.
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3

out of 5

POSTED: | BY: Annmarie Laird

I was definitely disappointed with a…

I was definitely disappointed with a recent claim process. An emergency is an emergency, regardless whether it is 5 months or 5 years apart from a similar surgery. My young Golden Retriever needed a second emergency intestinal blockage surgery in less than a year from the first. Evidently the fine print says only one a year. To me, it is like saying to a human- we will only pay for 1 heart attack a year, regardless your body's trauma.
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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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