Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: James Aubry

Affordable Caring

My dog needed to have surgery and Embrace Insurance is very helpful and responded within one day of posting a claim. Thank-you for making my dogs life much better and being able to take care of her.
5

out of 5

POSTED: | BY: Teresa

excellent

Teddy wants to thanks Embrace for keeping him healthy with a big smile.
5

out of 5

POSTED: | BY: Darryl

Super thankful for Embrace

Miso the doge sniffed, jumped, and sprinted around for 4 years without any issues until she was diagnosed with bone cancer recently. The surprise resulted in a two month long vet triage period followed by forelimb removal. Super thankful to have Embrace since puphood. They have been helpful every step of the way in managing Miso’s health expenses.
5

out of 5

POSTED: | BY: Rob Kennish

Thank god for Embrace!

Two weeks ago we brought both of our Great Danes to a public dog park and while the dogs were playing one of the other dogs became aggressive with our boy Rufus. The other dog started biting him and jumping all over him. My other dog Goliath jumped into the middle of the two dogs wrestling in a way to help his brother Rufus and was bit himself. The entire event took no more than a minute or two. Once we saw the aggression we ran over to separate the dogs and survey the damage. Rufus had bite marks on his neck and his chest with blood showing from both areas. We immediately took him to our vet's office where he had to spend the next two nights under their care. My other dog was looked at then released. the following day we got the bill from the vet's office and it was in the thousands. I guess there is a lot of work that goes into helping our beloved dogs to get them better. My vet's office filed the claim the following day and Embrace paid the claim the following week. Thank god for Embrace. My wife and I are so glad that we have Embrace protecting our dogs while they experience the joys of life. If we didn't have Embrace I would be nervous about bringing our dogs outside of the house in fear that they would get hurt and I wouldn't be able to pay their bills. Thanks again Embrace!
5

out of 5

POSTED: | BY: Kelly

Fast, efficient coverage

Signing up was very easy and staff was able to answer all my questions. I have only had to turn in claims for wellness so far on my puppy but Wmbrace has covered them and I receive the reimbursement very quickly
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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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