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: Beverly Burke

Excellent coverage when we most needed it.

Embrace reviewed our claims efficiently and we received reimbursement for all covered medical expenses promptly when our dog became very ill last year. Customer service is always very helpful in answering questions.
5

out of 5

POSTED: | BY: Ellie

This insurance saved my dog and me

My dog had sudden hip dislocations with no known cause. He had a number of tests and went an entire year in an out of slings before he needed surgery. He’s had two FHO surgeries and extensive physical therapy in the last 4 months costing upwards of $5k. The insurance has covered it all and I was reimbursed within 4 days of faxing the claim.
5

out of 5

POSTED: | BY: Beth Brown

Great service

Excellent customer service and coverage. I'm very happy with the ease of communication
5

out of 5

POSTED: | BY: Patricia Monsees

STELLAR

Embrace staff is the friendliest fastest most efficient insurance company in the world!!!
5

out of 5

POSTED: | BY: Encarnacion Rodriguez

Buddy Insurance

My buddy is grateful to have insurance, without question. We love the ease of filing a claim, and the relatively quick settlement of our claims. We have had Embrace for 3 years now. We cannot imagine not having this for our dog.
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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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