Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Lila

Embrace has always come through for us.

Over the years, we have had pet insurance with several carriers. Embrace is the easiest to deal with. People answer the phone and claims are processed quickly. The premiums and coverage are set to my specifications and needs. I enthusiastically recommend Embrace.
5

out of 5

POSTED: | BY: Andrea

Embrace saved my puppy’s life

Shortly after adopting my puppy, she was diagnosed with a birth defect called PRAA which required a very expensive surgery to remove a heart valve from her esophagus. Thanks to Embrace my puppy is alive and healthy. I would not have been able to afford her life saving surgery without them. Thank you Embrace from Libby and I
5

out of 5

POSTED: | BY: Katherine

Precert for Surgery Over Holiday Weekend with just a Phone Call

Based on a phone call on a holiday weekend, Embrace issued precert in time for surgery to save my dog's leg. We are grateful beyond belief. This is the Embrace that I've recommended to everyone I know and didn't want to have a pet without. Not having to worry while waiting on surgery or delay surgery due to financial worries is why I have insurance! Thanks!!!
5

out of 5

POSTED: | BY: Katherine

Embrace Totally Came Through For Us

Embrace quickly processed and issued a check for a biopsy and diagnostics within less than a week when my 2-year old suddenly had a cancer scare and hairline fracture in her leg from a bone cyst. During a terrifying week when I thought I might lose her, need to amputate a leg or face really bad choices, Embrace totally came through for us!
5

out of 5

POSTED: | BY: Susan

Best Pet Insurance

I was very impressed at how quickly Embrace paid my claim . I had a few questions and they immediately answered them!
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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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