Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Stefanie

An absolute must-have.

I have had Embrace for almost a decade. All 3 of my dogs are Embraced and goodness, does that give me piece of mind. Embrace has had my back when I needed them most. Most of my family's pets are also with Embrace. It is an absolute must-have.
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5

out of 5

POSTED: | BY: Beth Mielcarek

Reputable company

Staff is friendly, professional, and knowledgeable Easy to submit claims
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5

out of 5

POSTED: | BY: wrkrbee1

Ease of entering claim

Ease of entering claim
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5

out of 5

POSTED: | BY: Dennis Uchida

Highly Recommended

Quick response to claims, easy filling and follow up.
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5

out of 5

POSTED: | BY: Katie B

Worth every penny

While pet insurance can be pricey, emergencies and aging pets is even more pricey. I know with my embrace policy I can set my budget and feel confident knowing the zoo is covered. Embrace quickly refunds our expenses through direct deposit, and I know I can focus on simply enjoying my furchildren
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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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