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: David

Thank God for Embrace

Our Frenchie was diagnosed with GME just after her 2nd birthday, and has been on a regime of chemo and steroids for 6 months. She's responded well to treatment and is active, alert and happy. Embrace never flinched through any of the costs for diagnosis and treatment. This is our 3rd dog with Embrace insurance, but the first with serious health challenges. I've looked at other pet insurance providers but their coverages for serious illness often have individual limits which are much less than the policy maximum, and they don't provide the comprehensive coverage when you need it most. Embrace's customer service is outstanding. I have been a policyholder for almost 15 years.
5

out of 5

POSTED: | BY: Stephen

Great Investment For Pets

I got the $650 Wellness for my new pup. Embrace reimbursed everything needed for shots, etc. Program works as described. Took about 2 weeks as expected. Also, customer service keeps you abreast of the process. Thanks, Embrace.
5

out of 5

POSTED: | BY: MARIETTA

Embrace The Best

My dog is a Great Dane who was very healthy for the first few years of his life, then it seemed that everything happened to him. I researched lots of pet insurance companies and Embrace Pet insurance seemed like the best bet for us. It has been a great company. When I purchased the policy over 6 years ago I remembered they said "we pay what you expect us to pay" and they do. I ALWAYS encourage people to purchase Embrace for their pets. Without it I don't know what I would have done. I can't say enough nice things about this company. Claims are promptly paid so I don't have to stress over that while trying to care for a sick, giant dog. If I have any complaint it would be that they need to have "hand out literature" in the vet's offices, and feed stores because I spend a lot of time encouraging people to purchase an Embrace policy for their pets. Thank you Embrace, you have been a life saver. Really
5

out of 5

POSTED: | BY: Genny

Overall The Most Flexible

I am very happy with Embrace. I believe their wellness program is the best, no deductible no waiting very affordable, pays 100% of wellness.
5

out of 5

POSTED: | BY: Louise

Definitely sign up their worth it

They are always timely when answering their phones polite take care of me excellent no issues ever they cover a lot loved them highly recommend them and I'm a pretty particular person
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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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