Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Jan

Wonderful Caring Company

My dog recently started to limp and after a visit with our vet we found out he tore his CCL and would most likely need a TPLO surgery. I was very happy to have insurance coverage for this expensive procedure ($3600) but was just so sad he had to have it done. When I called Embrace to ask if I needed a Pre-certification for surgery the lady who answered the phone could tell I was very upset. She spent the first few minutes of the phone call asking if I was ok and reassuring me. She was so sweet and made me feel so much better. Embrace paid my initial vet claim and the Surgeon consult for surgery very quickly- within 10 days I had a check. The surgeon decided to wait for surgery since his CCL was only a partial tear. So we haven't had surgery yet but if we do need to I am so happy that I have an insurance company like Embrace to help us through. I tell everyone I know about Embrace. They are fantastic and I will always cover my pets with them.
5

out of 5

POSTED: | BY: Kathleen

Embrace has been a life saver monetary wise for us retirees.

Grade A+ Insurance!!!!
5

out of 5

POSTED: | BY: Don

Embrace Ins has been great on meeting all of Codys health issues since day one.

Great Pet Insurance co. Have been with Embrace over 9 years with no problems.
4

out of 5

POSTED: | BY: Peggy

Embrace has been a good insurance for our dog.

I have been pleased by Embrace Insurance coverage over the past 5 years.
5

out of 5

POSTED: | BY: Renee

Excellent service!!!

I have had multiple trips to the ER with my pups this year and getting insured with this company is one of the best decisions I've made in a long time!! You won't regret it, and the peace of mind is priceless.
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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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