Embrace | Pet Insurance Review

4.4

out of 5

Number of reviews 19,876

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: Jill

If you have a pet, you really need your pet Embraced!

Embrace is the easiest pet insurance company I have ever dealt with. If you have a question about a claim, the reps are genuinely concerned and try their hardest to answer questions. They don’t just read off of a script. Recently my senior boy hasn’t been feeling well and with my Embrace policy, I can concentrate on getting my boy well and not have to let my bank account determine what care he will receive. Most of us would do anything to keep our pets healthy and safe. Based on my experience with Embrace, they want the same for them too.
5

out of 5

POSTED: | BY: Gael

Thanks for keeping Wushu healthy and happy

I have been pleased with the coverage and response to claims for Wushu. If only our human insurance carrier were so quick to respond. My only suggestion with the wellness package is to cover more for the puppy's first year. Her spay, wellness visits and vaccines greatly exceeds your coverage in the first year. Otherwise, our experience has been great!
5

out of 5

POSTED: | BY: Catherine

Dachsunds are a toy

Phil, being a dachshund decided to eat his stuffed toy. Had to be removed. He is recovering nicely!
5

out of 5

POSTED: | BY: Karen

Outstanding service

So happy I bought Embrace insurance for my dog. She received all of her vaccines and had a healthy record until she contracted a virus from another dog. Bills were incredible. Embrace promptly paid and eased the pain.
5

out of 5

POSTED: | BY: Terry

Very disappointed with the results of my recent claim.

Very disappointed with the results of my recent claim. Only $27 refund after paying $60 a month for the last 5 years! I spent $309 at the emergency room!
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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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