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: Lindsey

So thankful I chose embrace.

I first got Embrace when my boy, Rambo, was a puppy, and I couldn't be happier with my decision. When he was going through knee surgery, I called to ask if they would cover a very expensive anti-inflammatory drug that was extra due to the fact he had early stage kidney disease. The specialist I talked to looked at his file and said they would certainly cover it (which they did), even though it was not required for his surgery and I elected to have it added on to help reduce his pain for the first 48 horus. Sometimes I compare them to my own medical insurance, and if they had human policies I would switch to them immediately. If I ever get another dog, one of the first things I will do is set up my pet insurance through embrace. Thank you, Embrace!
5

out of 5

POSTED: | BY: Robert

Very Happy With Embrace

We have 2 English Cream Golden Retriever sisters, and we've been very happy with our insurance coverage with Embrace. Even for routine problems, vet bills can really add up, and our Embrace coverage has been terrific - it's easy to submit a claim, and the company is very responsive. We're happy that our girls' health is protected by Embrace. Highly recommended!
5

out of 5

POSTED: | BY: WILLIAM

so far so good

still early in the game, but so far everything has been fabulous
5

out of 5

POSTED: | BY: Claudia

Best insurance

100% happy with Embrace. Premiums are very reasonable and the coverage is excellent. And they never failed to pay. Its truly a life saver to have it. Two of kitties have serious conditions ( kidney failure and cancer ) and I couldnt have been able to keep up with the medical bills. Embrace has been wonderful : easy to sybmit the claim and payments are done quickly. Never had an issue with them. I highly recommend them.
4

out of 5

POSTED: | BY: Rebecca

Good coverage

You never know how good an insurance company is until you need them. I have been happy with our experience with Embrace. Our Max has Addison's Disease and Embrace has covered 80% of our vet bills. He will be on medication for the rest of his life, so far so good, and of course I am so glad I got pet insurance. The customer service team has been really super. We will see how much our premium goes up as time goes by..again you don't know.
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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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