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: Sally

Peace of Mind

Kirby injured his eye and after many attempts to save it the eye had to be removed. Embrace, in cooperation with the vet and hospital, paid them directly. Our out of pocket expense was the deductible only. Embrace staff was wonderful to deal with.
5

out of 5

POSTED: | BY: Don

Great help to me while filing a claim.

Embrace was very helpful to me in filing a claim. I had never done a claim before and they walked me through it and sent a check within a weeks time. I was impressed.
5

out of 5

POSTED: | BY: Kim

Excellent insurer

I couldn’t be more impressed with this insurer. So easy to submit claims. Excellent customer service. I wish human health insurers were this efficient, kind, and easy to deal with.
5

out of 5

POSTED: | BY: Virginia

Thank the Lord you are here for Arlo.

My Arlo is going through chemo due to nasal tumor. It's been terrifying for us. I'm so grateful that I don't have to think about medical bills.
5

out of 5

POSTED: | BY: Ann

Great customer service with good coverage

My poor dog has had a tough year with pancreatitis among other issues. Everything I expected to be covered was covered with absolutely no problems with Embrace.
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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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