Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,895

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: Debbie

Excellent

Always there for us. Always willing to help. Have had them for 14 years. Will use them again. When my boy started having problems and got worse and bills mounted they covered. Unfortunately my boy didn't get better and they made a very sad time a little easier with no hassles. Thank you embrace!
5

out of 5

POSTED: | BY: Erin

Embrace comes through when you need it

We couldn’t be happier with embrace. We purchased a plan for our pup hoping we wouldn’t ever need it but when we did, embrace has come through quickly, efficiently and without any issues.
5

out of 5

POSTED: | BY: Ruth

Thank You, Embrace

We are so glad we set up a policy for our Labrador. From wellness visits to split paw webbing, we are glad to know we can get him the best care when he needs it.
5

out of 5

POSTED: | BY: Susan

Very Satisfied

We have been very satisfied with the coverage. I like that I could customize the coverage for each of my poodles. They have had a few minor health issues which Embrace has covered quickly with no problems.
5

out of 5

POSTED: | BY: Joan

Always Great

This was the first illness for our 10 yo cat, and Embrace paid much sooner than predicted. Thanks
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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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