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: DEBORAH

Embrace was there for us in every way.

We chose Embrace when we received our son's service dog, Ramos. Ramos was 3 then, and he was exceptionally healthy until the very end of his life. He had a small skin tag removal a year ago, which Embrace covered after our co-pay. This past fall, Ramos was diagnosed with a rare and aggressive cancer. Embrace was wonderful to take care of everything: surgery, medicine, doctor care before and after, and even euthanasia. The staff was exceptionally kind through this difficult time for our family.
5

out of 5

POSTED: | BY: Christa

Caring, quick, responsive

So grateful we have Embrace Pet Insurance. We purchased it, hoping to never need it, but wanted peace of mind in case we did. We went to the vet knowing we were going to get the best care we could receive, and that we had Embrace to lean on. The claim process was so fast and easy!
5

out of 5

POSTED: | BY: Jessica

Great service so far!

Luckily I have only had to submit claims for the first time this year after having this insurance for 5 years. They were helpful and prompt with my reimbursement!
5

out of 5

POSTED: | BY: Cara

Great pet insurance & customer service.

Thank You for providing great pet insurance. I am highly satisfied with the coverage & timely manner that the claims are covered.
5

out of 5

POSTED: | BY: Alyce

Embrace pet insurance has been a god sent.

It was very easy to file my claim. Really had no issues. Would recommend to others.
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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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