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: Linda

Peace of mind

It’s nice to have pet insurance for their wellness visits, but it certainly gives you peace of mind when there is a more serious medical issue. My Maggie was diagnosed with kidney disease. Rather than take her to a local internal medicine vet I sought out a very well-respected kidney (nephrology) specialist. It was well worth the three-hour drive to find out she has low-grade kidney disease and that it was caught early. It cannot be cured, but hopefully can be controlled. And Embrace covered the majority of the claim.
5

out of 5

POSTED: | BY: Nicole

I’m very thankful for Embrace!

Overall, I’m quite pleased with Embrace. Unfortunately, due to my dog’s illness, I use Embrace frequently. Every now and again my claims are marked as duplicates and I have to call to resolve it. It’s usually taken care of very quickly.
1

out of 5

POSTED: | BY: Vanessa

Horrible

Horrible. So pricey and so many exclusions. Might as well set that money aside every month instead of paying it out and use that fund to pay your vet bills....
5

out of 5

POSTED: | BY: Gordon

Great company

Claims are handled without hassle & fast. We are very happy
5

out of 5

POSTED: | BY: Sandy

Multiple pets = embrace pet insurance

After a very high hospital bill for my pug I decided to look into pet insurance. I have to say I highly recommend Embrace. Friendly and helpful agents on the phone . Fast response to claims and multiple options to choose from.
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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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