Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,874

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: Rachael

Fast, easy and affordable

I don't believe my cat would still be here if we weren't covered by Embrace. They were easy to get a hold of to ask about coverage, and it took less than an hour to be pre-approved for my cat's surgery and other procedures. I am an Embracer for life now.
5

out of 5

POSTED: | BY: Keith

Glad We Were Insured

Embrace provided good coverage for my Labrador mix with hind leg problems and a blood clotting issue. They covered exactly what they said they would in their policy. Benny had expensive vet visits and prescriptions which if I hadn’t had this insurance would have hit my pocket harder.
5

out of 5

POSTED: | BY: Evan

Older Cats

Found out our girl needed some teeth pulled, the pre-authorization went smoothly/quickly. Claim payment was approved quickly. No complaints. We switched to Embrace 2 years ago and have never looked back.
5

out of 5

POSTED: | BY: Nannette

Fantastic response time and explanations of claim.

Excellent customer service and quick response/turn around times. I recommend them to my dog training clients as well.
5

out of 5

POSTED: | BY: Brooke

I would be moved in with my parents if it weren't for Embrace

Embrace has been an absolute godsend for the last 2.5 years as i've dealt with every injury/illness imaginable with my English Bulldog. Every time I get a vet bill I think to myself "one day they are going to break up with me", but they have been there every single time to save the day. It is such a weight off knowing I can bring him to the vet without blinking an eye when something seems off because it's not all on me to front the bill. I will recommend them to absolutely everyone I know.
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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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