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: Linda Reid-Bonnema

BEST dog insurance ever!

I recommend EMBRACE insurance to everyone I know who has pets!
5

out of 5

POSTED: | BY: Shirlane

Embrace is the Best

We have been through many situations with our dog, Joey. Embrace has always been compassionate and professional in the claims process.
5

out of 5

POSTED: | BY: Dean Ebersberger

Awesome insurance

Excellent service and prompt response.
5

out of 5

POSTED: | BY: Teresa

The best pet insurance available!

I highly recommend embrace! I’ve had them since my dog was a pup. Customer service from day one was excellent. Claims are simple and refunds are quick. Coverage is excellent!!!
5

out of 5

POSTED: | BY: Kathy

Extremely Satisfied and Grateful

My 6 year old lab has been insured with Embrace since she was two months old. Recently a small bump that felt like an insect bite was diagnosed as a mast cell tumor that required surgery. Submitting the claim could not have been an easier, and it was reviewed and completed in 4 days. . My policy covered 80% of the appropriate expenses and because we have had the policy for so many years my deductible was reduced. I did quite a bit of research before selecting Embrace and I am really happy I did. I highly recommend this company

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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