Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Stephanie

AWESOME!!

My white swiss shepherd mix was bitten by something, we found out a few days later it was a scorpion. I was so stressed at the bill, but love my girl and will pay anything to keep her healthy. They covered it!! I am so happy, doing a happy dance in California!
5

out of 5

POSTED: | BY: Robert

Came through when we needed you most

Our beautiful, beloved 3 yr old Bernese Mountain dog, Hudson somehow ingested something, maybe a bone. We don't know. It caused a tear in his esophagus that could not be repaired in spite of the heroic efforts of Oradell Animal hospital Doctors and staff. He was put to rest while in our loving embrace. My wife, whom he adored is devastated. My grief at the loss of this happy, loving, gentle giant with his beautiful soul physically hurts. Embrace not only handled our claim with compassion and expediency during this time of incredible grief , but the candle they lit and donation in his honor to help feed shelter animals is fitting tribute to this gentle, loving giant who loved children, playing with other dogs and being with us. Thank you Embrace claims team.
5

out of 5

POSTED: | BY: Tiffany

Great experience

After having 2 sick cats for years I know what a veterinary visit alone costs and hospital treatment etc. Got 2 Siamese kitties and immediately got Embrace. Both cats have reached deductible and I've been paid for 2 claims. It's great not to worry financially about vet visits!!
5

out of 5

POSTED: | BY: Alida

Terrific coverage and great customer service

I’ve had a great experience with Embrace! They covered diagnostic testing for Makenna when she had a heart murmur shortly after we adopted her. Since she’s recently been diagnosed with Cushings Disease the coverage has truly been fantastic. This is a disease with expensive diagnostic testing, expensive maintenance drugs and it’s a chronic disease that will be with us as long as Makenna is. We just are so grateful for Embrace and the peace of mind it provides. We tell everyone about Embrace!!!
5

out of 5

POSTED: | BY: Patricia

Get the insurance

I was skeptical at first and have paid for years and was so happy when I received reimbursement for vet expenses under an emergency. The initial claim process I thought was confusing but we worked it out. 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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