Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,342

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: Bridget Conner

We truly feel "embraced"

Switching to Embrace Pet Insurance has proved to be the best insurance decision I ever made for my dog. I've tried others but none compare. Embrace delivers courteous, expedient service and a wide range of coverage options.
5

out of 5

POSTED: | BY: France Beaulieu

Best Pet Insurance Ever!

Embrace Pet Insurance is the best pet insurance insurance ever!
5

out of 5

POSTED: | BY: Sylvia

Great insurance - easy, compassionate, efficient, great coverage

Embrace covered all of our claims with no questions. They provided a form with all of my pet's info on it, that I then provided to my vet. They were fast and efficient in providing reimbursement. They were responsive when I had specific questions about coverage and extremely compassionate when our beloved pet died due to cancer. The coverage was well worth the money and enabled me to make decisions regarding care based on my pets wellbeing without having to think about the expense. In the end it provided a savings.
5

out of 5

POSTED: | BY: Jen Katehos

Having Embrace pretty much saved our dog’s life and kept us from stressing about getting him treatment!

When our 7-year-old Boxer went from happy zoomies to lethargy and pale gums in a matter of hours, we rushed him to our nearest emergency vet. We didn’t know what to expect, and when we were told he had an internal bleed that would kill him in a matter of hours, we were devastated. Making it even worse, they suspected hemangiosarcoma. Still, there was a 33% chance it wasn’t cancer, and the only way to save his life and find out was a very pricey splenectomy. Thanks to our coverage from Embrace, we didn’t even have to think twice about giving the green light to the surgery. Our boy made it through with flying colors, but the hemangiosarcoma diagnosis was sadly confirmed. However, again, because of Embrace, we were able to get him the traditional chemotherapy AND integrative oncology treatment that he needed. It had been three months already, and our boy is simply a miracle. (AND we had our reimbursement from Embrace before our credit card statement with the surgery on it even posted!) We couldn’t have done any of this without Embrace.
5

out of 5

POSTED: | BY: Craig Armstrong

Reimbursed cancer treatment claims promptly.

My 11 year old Golden was recently diagnosed with malignant melanoma. Embrace has covered the sizable vet bills related to his treatment and has processed and paid the related claims within a week. Am completely satisfied with their insurance coverage and customer service.
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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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