Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Rebecca

Embrace was there at a terrible time for me and my baby Charlie

My baby Charlie was very sick with Diabetes and Cushings disease. Embrace took the financial strain off of a very stressful time. Submitting a claim is easy and reimbursement is quick.
5

out of 5

POSTED: | BY: Caroline A

Embrace has been a savior to me and my 2 dogs

I am so happy that I went ahead and purchased Embrace insurance policies on both my dogs. Please remember, no one wants to experience health issues w/ their pets, but it does happen!
5

out of 5

POSTED: | BY: Adriana Espinoza

Easy, efficient and worth it

I did a lot of research for a great but affordable pet insurance, given the genetic and physical issues that often come up in great danes. When I brought my baby home at 7weeks, I settled on embrace and upped it with a $450 healthy rewards.policy. I used my healthy rewards and it saved me money in the long run. My sick policy was there when she got the runs from getting into snacks, and needed meds. It was an easy file, with updates and was pretty painless and deposited quickly into my account. Great price, highly recommend.
5

out of 5

POSTED: | BY: Karen

Thank Goodness for Embrace Insurance

Our Golden Retriever, Skye, was diagnosed with Lymphoma last month. We were shocked. I contacted Embrace to see what would be covered and they were able to push through a pre-certfication for me so that I was able to meet with the oncologist with the knowledge and confidence that we could afford treatment. Skye has received 3 chemotherapy treatments and is currently in remission! Each claim has been paid very quickly, usually in less than a week. Thank Goodness for Embrace Insurance for helping to make a stressful situation much easier.
5

out of 5

POSTED: | BY: Patricia Lanza

Embrace is excellent.

I am very happy with Embrace Ins. It is easy to make a claim. I can even get in touch with them for questions about my pets and their health. They also, send interesting information about pets care and health that are very helpful. They are very prompt processing all claims.
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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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