Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: kirsten

fast and hassle free

first claim made and it could not have been easier. left paper with vet and they filled it out, faxed it to them. got emails keeping me up to date on the status. got the check within 2 weeks i believe.
5

out of 5

POSTED: | BY: Cathy

Thank you

With five dogs in our family, it was important to have insurance for their medical care. Embrace has helped us financially on many occasions to date. We’ve been through tracheostomies, Cushing, gastric foreign body removal, lymphadenopathy, frontal lobe tumor, bladder stone removal and now pheochromocytoma. As we lose our beloved pets, we rescue yet another. And the newbie is immediately added to our policy. We have a dog sitting business (The Irish Sitters, LLC) and a huge clientele. There is never a day that we don’t tell our clients about Embrace. Y’all have pulled us through some very hard times and we appreciate the service you offer. Thank you Embrace!
5

out of 5

POSTED: | BY: terry

A LITTLE EXPENSIVE BUT GOOD

I would prefer an insurance that one could carry a card and it just be accepted for payment rather than a reimburse after the fact
5

out of 5

POSTED: | BY: Taryn

Terrific coverage/service

We have had Embrace for years. Have NEVER had an issue. We just lost our beloved Cheyenne whom we had extensive treatment for in the past couple of years and not once was questioned or denied. They are terrific and we highly recommend them to our fur baby’s owners.
5

out of 5

POSTED: | BY: Jacqueline

Glad I went with Embrace. Very glad.

Embrace has been so great. I have senior cats that need more care these days and Embrace really stepped in with the ease of claims and process. I recommend Embrace to any pet parent.
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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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