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: Mary

Wish We Didn't Need it

We all wish we didn't need insurance for our pets, but then something happens and we all hope for a company like Embrace. Peyote needed surgery to correct a shoulder issue. Embrace gave me the peace of mind to know that Oti could have the surgery and I could concentrate on his recovery as opposed to figuring out how I was going to pay for it. Now, he is in rehab to get back in tip top shape and Embrace, once again, is putting my mind at ease. Can't say enough good things about them.
5

out of 5

POSTED: | BY: SHERRY

Better than Medicare

Embrace pays on what the doctor charges. Fast, reliable, accurate.
5

out of 5

POSTED: | BY: Nana

Great

When my son recommended Embrace , after his experience with him , I decided to go join to and I’m very happy with them & recommend them highly
5

out of 5

POSTED: | BY: Tina

I love Embrace pet insurance.

Having Embrace has truly been a lifesaver for my dogs. Submitting claims has always been a smooth, easy & quick process. I recommend Embrace to everyone I know who owns an animal.
5

out of 5

POSTED: | BY: Venus

Fast

Fast claim service, great customer service when I called and asked questions b4 purchasing. Also helped me when needed help on how to submit claim.
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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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