Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: william

superb, effecient service and coverage

we have had our beautiful animal insured by embrace since we acquired her. enbrace’s coverage of our claims has been very fair and its service (including a great website) excellent.
5

out of 5

POSTED: | BY: Sharon

They distinguish between different types of tumors

Our beagle has a history of lipomas. I had never gotten insurance for him before. Friends told me some insurance companies would not cover any mass on his body. To our surprise, doggie showed up with an adrenal tumor that's large and active. It produces cortisol, so he needs medication. Embrace covered our claims after receiving the vet's notes regarding doggie's history and the current tumor. Our first check is on its way.
5

out of 5

POSTED: | BY: sandy

It has been a blessing for us to have Embrace pet insurance for Charlie because they have covered so many of his health need.

Charlie was adopted at 5 years of age and had been a very healthy dog to that point. We still took our insurance at a friend's suggestion. We have been so grateful that we have had it since he has had three leg tendon surgeries, developed diabetes and recently cataracts requiring surgery. In all cases we have received the financial support from the insurance to enable us to go ahead with Charlie's medical needs. He now sees just fine after going blind. What a joy for all of us.
5

out of 5

POSTED: | BY: Joseph

I am blessed to have embrace.

I have had embrace for a year and it has been a great help to this disabled vet. Thank you embrace.
5

out of 5

POSTED: | BY: Deborah

A positive experience so far

So far, my experience with Embrace has been positive and timely.
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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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