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: 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!”
5

out of 5

POSTED: | BY: Jennifer

So grateful for our embrace policy

So grateful for our embrace policy! When our dog, Beesly, suffered a severe herniated disc, she required emergency surgery that we were able to provide for her thanks to our insurance coverage. Claim submission was quick and easy, and we received payment in a timely fashion.
5

out of 5

POSTED: | BY: A

Embrace pet insurance has been great!

Embrace pet insurance has been great! Our puppy had to go to the vet quite a bit. The claim submission process is so easy. Whenever I’ve had a question, Embrace’s customer service has been phenomenal! And, probably most importantly, our reimbursement came quickly and as expected! Thank you Embrace!
5

out of 5

POSTED: | BY: Grace

Thank you Embrace for your prompt…

Thank you Embrace for your prompt payment in the unfortunate incident with my pup. It was so easy to file the claim and I was able to set up payment directly into my account. It is traumatic when your pet has an accident, but what a relief to have health insurance to help with the vet bills. Thank you
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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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