Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Lisa Iorio

Great coverage

My cat Rory developed a rectal polyp and needed to be seen at the vet. He was covered for this visit (80%). Embrace is a great pet insurance company & I highly recommend them!
5

out of 5

POSTED: | BY: Celia Anne

Wow on the claim payment!

My dog recently had surgery on her leg. I was really impressed with how quickly the claim was processed and paid. And, the direct deposit made it even better! Thanks Embrace!
5

out of 5

POSTED: | BY: Genny Reid

Would Not Be Without Embrace

I have had Embrace on my Boxer "Joy" since she was 4 months old and I have never regretted it. She's had ear infection, bronchitis, dog attack. I got pet insurance because I did not want to be in the position of making the decision whether I can afford to take care of Joy's vet bill should something serious happens. Peace of mind is worth a lot. I looked at all the pet insurance companies especially the ones highly recommended and after my study I found Embrace was best all ways around especially when you include Wellness. No one pays Wellness as well as Embrace. Also the claims are processed easily and quickly and with direct deposit my claim payment is in my bank within and lot of time less than 2 weeks. I love Embrace Pet Insurance.
5

out of 5

POSTED: | BY: Georgette

Fighting chance for our Moe

Our male Aussie was rushed too the emergency clinic for a splenectomy due to hemangiosarcoma cancer and is facing expensive and intensive treatment options, such as chemotherapy. Without embrace, who handles our claims fast and professionally, we would not be able to focus on the most important aspect, which is taking care of Moe and ourselves. On this emotional rollercoaster it’s nice to have embrace on our side. Thank you for that. Getting pet insurance was one of the smarter things I have done so far. To date my bills have amounted to $6,500 and embrace has kept their promise for 80% on their part after the $500 deductible! What a relief.
5

out of 5

POSTED: | BY: Jeani Coleman

The Best Pet Insurance Out There

We have been with Embrace for almost 8 years. My Tiny Toy Poodle had a lot of health issues including detached retinas in her eyes with continued eye problems, luxated hips which resulted in a Femoral Head Ostectomy and a heart murmur which has resulted in congestive heart disease. Embrace has covered her medical expenses which has allowed her a quality life and given us years of enjoyment with her. She is our baby even at 10-1/2 years old and we love her dearly. We are so thankful for Embrace who has helped with her medical expenses and walked this journey with us. Thank you Embrace
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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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