Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,342

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: Cassandra

Embrace has always made it very easy…

Embrace has always made it very easy and simple to make sure my cat gets the best care! She had to have quite a few things done early on when I first got her and having the insurance there to help financially really helped! I will always insure my new family member with Embrace!
5

out of 5

POSTED: | BY: Monica J.

I appreciate the peace of mind that I…

I appreciate the peace of mind that I feel knowing that my little girl have health insurance. Reasonably priced, low deductible and generous lifetime benefit.
5

out of 5

POSTED: | BY: Robin Storey

I was worried about have a pet…

I was worried about have a pet insurance that wasn't tested by anyone I know, but I sent in a claim and it was fully covered and I received a check real quickly after my deductible was taken out. Totally worth it.
5

out of 5

POSTED: | BY: Rita Gustafson

As always Embrace covered my visit to…

As always Embrace covered my visit to the vet with my dog Cody. He had a hot spot which was becoming infected due to playing with the new puppy and the rough housing. The reimbursement came quickly like it always does.
5

out of 5

POSTED: | BY: Pam Plumbley

I have had Embrace insurance for 6…

I have had Embrace insurance for 6 years now on my Golden and I have been extremely satisfied - when we got our Springer Spaniel pup I added her also to the policy - We have had several accidents, bee sting, joint issues, stomach problems, ear infections and now the cardiac condition of DCM and Embrace has helped us though all of them. It is truly peace of mind to have Embrace Insurance.
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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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