Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Kathy

Would Insure with Embrace Again!

We got Tucker, a Lab mix when he was about 5. He'd had a pretty rough life up to that point. Our other dog was insured with another company that we weren't particularly fond of. After doing our research we ended up insuring him with Embrace and haven't regretted it once. Tucker has had three different bouts with cancer and Embrace has covered him without question every time. It was easy to sign him up, easy to pick the plan best for us and response to claims is efficient. Couldn't ask for more!
5

out of 5

POSTED: | BY: Rita Brown

Great company to deal with!

We’ve been through two surgeries (big and small) with Beau. Embrace was extremely easy to work with. Claims were easily transmitted and paid promptly.
5

out of 5

POSTED: | BY: Alisa Marie

Lifesavers--literally--the best!

Embrace is fantastic--incredible--compassionate and quick. When I purchased pet insurance for my two Labradors with Embrace five years, I had no idea that they would quite literally save my dog's life. Two years ago, while on my honeymoon, Shakespeare, my yellow labrador was diagnosed with high-grade aggressive lymphoma. He was given only weeks to live if we did nothing. If we did the recommended chemo protocol he had a 90% chance of fighting it. They said it would give him another quality 1-2 years of life. Embrace was fantastic. compassionate and quick to refund all claims with a direct deposit within 7-10 days of each treatment. They saved his life. We could not have done it without Embrace. Here we are, fighting the lymphoma with him again two years later--and once again they are incredible, compassionate on the phone, truly care, and the process of an otherwise emotionally heartbreaking experience is made that much easier. They have been so helpful once again and are quite literally helping us to save Shakespeare's life and quality of living. I cannot say enough positives about our experience with Embrace, so grateful we have them!
5

out of 5

POSTED: | BY: margaret grogan

I couldn't be more pleased

Wonderful company. Very professional. Extremely fast response.
5

out of 5

POSTED: | BY: Jone

awesome pet insurance!

I knew when i adopted a senior rescue dog that I should probably get insurance.. a friend raved about Embrace and her experience when her beloved cat got cancer. She was able to afford prolonged treatment that most likely wouldn't have been possible without the support of Embrace. I have had Embrace for almost 4 years and have had a few sudden illnesses that we sailed thru with much less stress because of Embrace. It's easy to submit a claim and they reimburse super fast. I am completely satisfied and wouldn't hesitate to recommend them!

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 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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