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: Johanna

Super Easy Claims

Submitting claims and getting reimbursed has been super easy. (Much easier than my own health insurance!) Customer service was great for any questions. It’s a no-brainer to carry this insurance. It’s helped a ton.
5

out of 5

POSTED: | BY: Shelly

Awesome Insurance

I have Embrace for over 5 years! They’re amazing
5

out of 5

POSTED: | BY: Lorrie

Embrace has been great!

I appreciate Embrace helping us work through our pups illness. Thankfully he is better having embrace gave us a piece of mind to get him the treatment he needed!
5

out of 5

POSTED: | BY: Thomas

Embrace Pet Insurance great company.

Just a few words about Embrace. My beagle Willow had to have surgery on her spine to have a disc removed and was in the animal hospital for 5 days. The bill was over seven thousand dollars. The surgery on Willow was phenomenal. The same day she was released from the hospital I received a email from Embrace stating that they have received my claim and two days later the claim was accepted. I can honestly say that choosing Embrace Pet Insurance was a wise decision. Thank you Embrace for your quick service and for relieving a lot of financial burden. Thomas Hajek
5

out of 5

POSTED: | BY: Susan

Best customer service in the pet insurance business

My dog Ladybug was in the hospital for one night and it cost over $1300. Embrace pet insurance processed and reimbursed me for 80% of the cost within two weeks of my claim submission. I’ve recommend Embrace to all my friends and family who own pets!! This company is by far the best in the industry!
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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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