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: Linda

Embrace is the best

My male dog has had some setbacks lately. An ear infection on a weekend so it had to be treated by an emergency pet hospital was quite expensive-Embrace paid their share. Then because of some strange behavior around eating, our vet ordered an abdominal ultra sound which found a testicle tumor. This was also an expensive procedure and Embrace paid their share. So what more can I say than Embrace you are the best. I am so thankful that you have also covered 3 TPLO knee surgeries. We love our two dogs and are so glad that we bought Embrace pet insurance.
4

out of 5

POSTED: | BY: Robert

Very responsive

Got quick and good results on claim. Very competitive on price of coverage for and deductable. Would give a B on plan. Because i should get the next one up plan. Thanks and happy trails again as you walk your best friend.
5

out of 5

POSTED: | BY: Audrey

Embrace has far exceeded my expectations

I had no idea what to expect with getting Pet Insurance. I couldn't have asked for better customer service or an easier claim submittal process. Any time I ever have questions, I am always able to speak to someone who seems to go out of their way to help me.
5

out of 5

POSTED: | BY: Naomi

Wish human health insurance was so easy and understandable

This was my first claim after having the policy for three years. And...the policy covered what it said it would in the amount it said it would. What more can I say....except 'thank you'.....something I have never thought to say to another insurance company.
5

out of 5

POSTED: | BY: Stephanie

If it weren't for Embrace, my little-one would have succumbed to her illness long ago.

Embrace assisted me financially. If it weren't for Embrace my little girl would have passed 1.5 years ago. Because I was able to afford the care she deserved, I got to have her in my life a lot longer. She passed yesterday peacefully. I miss her.
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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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