Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,873

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: Larry

Embrace is a great Pet Ins. Co.

I have been so pleased with Embrace and their very helpful and kind staff! My dog has been insured with Embrace since 2014 and this is my first claims for my dogs cancer. Embrace has paid all the claims as stated in the policy.
5

out of 5

POSTED: | BY: Khuloud

They reimbursed my claims at a really difficult time!!Thank you!

My dog was having recurrent problems with the anal sac and eventually needed surgery that cost $2400+, and Embrace immediately reimbursed me and this is so helpful! thank you!
5

out of 5

POSTED: | BY: Stanley

Very nice to have Embrace pet insurance. It paid all but my 20% deductible for surgery and hospital stay

Surgery was for bleeding, prolapsed urethra at tip of prepuce. Urethral prolapse mucosal resection and closed castration.
5

out of 5

POSTED: | BY: John

Claim expectations fully met, once again - many thanks !!!

Great service, comforting results
5

out of 5

POSTED: | BY: Susan

Knowledgable and prompt Customer Service

I made my first claim under the Wellness Coverage recently. It was actually my first claim since enrolling in Embrace. Pleased that the refund was prompt and that it is able to be directly deposited into my bank account, a time saver.
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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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