Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,864

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: Eric

Very happy with this company

Very happy with this company. After our first beloved dog, Misty, had various high medical expenses, we decided to get pet insurance for our future dogs. What a great decision! They are easy to contact and the plans are reasonable. I’d rather pay a small monthly fee than a surprise vet bill in the thousands. They have never given us a problem and pay quickly. Bravo!
5

out of 5

POSTED: | BY: John

I have had no problem with embrace it…

I have had no problem with embrace it has delivered as promised saved me with the puppy
5

out of 5

POSTED: | BY: Carl

Quick and fair claims processing

Quick and fair claims processing. Courteous and helpful staff. Offers peace of mind when concerns about the health or wellness of our Gordon setter arise. This is a wonderful experience.
5

out of 5

POSTED: | BY: Connie

There had been so much negativity…

There had been so much negativity lately about pet ons insurance companies. But I have had Embrace Pet Insurance for 4 years now, and I just addedmy 4th pet. If you every have to use this service, they are more than fair, and fast on payment I would. and would recommend this insurance to anyone with a fur child Thank you Embrace
5

out of 5

POSTED: | BY: Addie’s

So grateful for Embrace!

I purchased an Embrace insurance policy for my dog (a 25 lb terrier) 3 months before she turned 5. I had hesitated about pet insurance because my dad was a veterinarian so I didn’t pay for pet healthcare at first, and then when I left my home state I just couldn’t make sense of the various policy choices. My new veterinarian at the time recommended Embrace and I am so thankful she did. My dog developed a rare tumor in her leg in 2016 that required specialist surgery and 18 rounds of radiation and a lot of follow-up care. This year, my dog tore the cruciate ligament in one of her legs. Thanks to my Embrace policy, I was reimbursed 80% of my 2016 $7,500 costs and my 2019 $3,000 costs. Without Embrace, I would have had to have made some very difficult financial decisions. Thanks to Embrace, I celebrated my dog’s birthday with a theme this year of “8 years with all four legs!”

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.

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