Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,896

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: Heath

The entire team at Embrace has been great, we are customers for life!

Our 11 month old Mini Schnauzer began struggling with seizures and could not keep food down. Our vet diagnosed a porto-systemic liver shunt and the specialist surgical bill exceeded $7,000.00. Happy to report the surgery has been a huge success and Piper is again enjoying being a puppy again with no lingering complications so far. Embrace claims staff was fantastic, they reimbursed within 3 weeks from filing the claim and it was a very simple process.
5

out of 5

POSTED: | BY: Briana

Glad I chose this company!

My dog had a few pre-existing conditions but I like that after a year if they don’t occur again they’re erased so it’s like starting from scratch! I love how they explain why something isn’t covered and they email back really fast when I have questions concerning a claim. I am really glad I chose embrace! Highly recommend them!!!
5

out of 5

POSTED: | BY: Shelly

Awesome Insurance

I can't say enough good things about Embrace. Before joining Embrace we had a different insurer. The monthly cost was almost $35/mo more than Embrace when I obtained the quote. In addition to being cheaper, Embrace offered more coverage than the other insurer. We have had to use Embrace more than once this past year, and I have never had an issue with our claims. Embrace is awesome!
5

out of 5

POSTED: | BY: Kim

Great service with prompt refund

I love that most of our vet expenses are covered. We get back the 80% refund promptly within two weeks. I have been recommending to many.
5

out of 5

POSTED: | BY: Gail

Very prompt and efficient service

We are very satisfied with our service
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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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