Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,001

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: Bobbi

Consistently good

I’ve been with Embrace for more than 12 years. All my interactions with them have been personal and top-notch. They are attentive, have an excellent website to communicate through, always reimburses timely, and automatically through direct deposit. An impressive and well-run organization.
5

out of 5

POSTED: | BY: Linda

Always pleased with service

So far Cooper has been in good health thank God. I know Embrace would be there if I needed them
5

out of 5

POSTED: | BY: Keith

Covered with no issues

My fur baby, Gracie, has been a super healthy dog, then she had an accident and tore her ACL in her right rear knee. Embrace covered the surgery with no problems, no issues and no hassle. Thank you for allowing us to get our baby the surgery that she needed.
5

out of 5

POSTED: | BY: Pierre

Phenominal

Incredible. Made the care of my Doberman affordable after her diagnosis of lymphoma. With the proper care enabled by my policy, I was able to Cherish 4.5 more months with my beloved Leica. Thank you so much Embrace for being there for us during this difficult time.
5

out of 5

POSTED: | BY: Karen

Insurance claims

Embrace has always been attentive to our claims, has processed them in a timely fashion, and have reimbursed us fairly.
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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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