Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Eliza Blanchard

Embrace offers us honest, helpful service.

We bought Embrace Pet Insurance when our Morkie was about five years old. (I offer support to people facing end-of-life choices with their animal companions, so I've seen first hand how difficult endings can be, and without medical coverage it gets even harder.) After her cancer diagnosis this past summer, feeling there was still a lot of life left in her, we decided to pursue treatment, an expensive and long process: Embrace made this choice possible. She's doing great, the cancer being caught early and treated thoroughly. We couldn't be more grateful we invested in this insurance!
5

out of 5

POSTED: | BY: Madelyn Soles

Claim for Cocoa's surgery

We carry accident/illness insurance for our fur baby, Cocoa. She had to have surgery for a ruptured disk in her neck. Of course, the surgery was quite expensive, and I have admit I was skeptical as to what they would actually pay, but that was for not! Our deductible was even reduced. Needless to say, I was so impressed with the ease of filing the claim, and how quickly it was processed and reimbursement sent. They kept me informed, via, email,thru the entire process, as well as posting on the portal. Customer service was great too. They quickly responded to emails I'd sent. I would highly recommend Embrace to anyone looking for pet insurance.
5

out of 5

POSTED: | BY: Belinda Butler

Highly Recommend from an 8 year Embracer

I have been a policyholder for my two dogs since 2010. I have been very happy with my entire service experience with Embrace. They have the most comprehensive coverage without the high dollar premiums that others charge for less coverage.
5

out of 5

POSTED: | BY: vicki conway

Super responsive

Over last few years i have made a few claims for medical procedures on my chessie. Embrace has been super responsive in each case. Such a pleasure to deal with such a great company. Thank you embrace.
5

out of 5

POSTED: | BY: Embrace.

Great insurance company

I have had other insurance companies ..this company is great!! My poor rocky was diagnosed with epilepsy at 21/2.. we never had a claim before .. sadly he will be on medication for the rest of his dear life and will have periodic seizures which can be life threatening.. embrace was our savior and has paid the claims no questions asked!! 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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