Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: MClark

Our dog tore his ligaments & required surgery.

Recently our dog Onyx tore his ligaments in his knee and he needed to have TPLO surgery. We were very worried about our dog because he could not use his rear leg at all. After the surgery we submitted the invoice to Embrace and they covered his surgery. We were so thankful that Embrace could help us with this huge expense. Having Embrace was the best decision we could have ever made! Because of them we can now focus on our dog healing and walking again. There has been no issues or delays either. The process has been simple, uncomplicated and I received a refund check within 2 weeks. I’ve had Embrace for many years and I can say I've never encountered an issue. I highly recommend them. As an update, our dog's stitches were removed and he needed extra medication and that was covered. Then he needed Hydro-Therapy to help him regain mobility and that has been covered too. We are extremely happy with Embrace!
5

out of 5

POSTED: | BY: Emma Howard

Sarah was very helpful on my call…

Sarah was very helpful on my call today. She was very knowledgeable and super courteous and resolved my question very quickly.
5

out of 5

POSTED: | BY: Bridget Test

I am very happy with this product!

I am very happy with this product!
5

out of 5

POSTED: | BY: Kylie Harazim

Great

Great job I am so satisfied with this!
5

out of 5

POSTED: | BY: David Henry

Embrace pet insurance is worth my peace of mind…

The Embrace pet insurance policy is written to industry standards and the coverages are tailored to meet most pet owner's insurance needs. While highly recomending Embrace I would suggest that if a claim is filed for injury or illness that the policy holder maintain a file to document all contact as each vet followup visit for the same illness/injury generates an additional claim that then generates an email requesting duplicate vet medical history that was requested and provided when the claim was initiated. Any injury that requires multiple vet visits requires medical record uploads to Embrace and each upload generates a a new claim and this generates an email asking for the vet medical history. Over-all my experience has been positive and each phone call to Embrace was handeled professionaly by a licensed agent. Based on my claims experience I recomend Embrace.

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 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.

Get a quote today

Leave a review