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: Lorna

Embrace pet insurance gives me peace of mind that no matter what, my pup will be taken care of!

I have had nothing but excellent service with Embrace. Getting reimbursement for medical expenses has been super easy and when I've had a problem or question about something I just call them and I always get great service. I would highly recommend Embrace Pet Insurance. It's peace of mind.
5

out of 5

POSTED: | BY: Kara

The best customer service!

Any time I call or send in a claim, they are always detailed and helpful with whatever questions I have.
5

out of 5

POSTED: | BY: Janice

Thankful for Embrace

I have 3 dogs but Petey is my oldest Mini Schnauzer at 12 years. This year I have really had to use the insurance as Petey has suffered from back issues. Having Embrace has allowed me to be able to say yes to a CT scan to try and determine the problem, they covered a wheelchair for his use when need be and now are covering acupuncture treatments which are allowing him to keep some quality of life and be able to get around. Their reimbursement time has gotten shorter and I'm amazed at how quick it is sometimes. I'm thankful I have insurance on my boys and for me Embrace is the best.
5

out of 5

POSTED: | BY: Margaret

Embrace has helped so much.

Have been with Embrace for years, have never had a problem. But just recently my dog had to have many test which led to surgery. The vet bills are over 5000.00, so far Embrace has been paying all my claims. I would highly recommend them.
5

out of 5

POSTED: | BY: Darci

Very thankful and happy with service

Embrace has been helpful and easy to work with through may health problems, including very serious ones requiring time in the hospital. They have reimbursed me for my visits to vets to try to figure out the best way to treat a few chronic conditions my dog has. I am very thankful.
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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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