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: Stevens

One of the best decisions!

I went for it and purchased Embrace pet insurance when our dog was just 3 months old. It seemed extravagant at the time, but I have no regrets for this piece of mind. She has swallowed a dime which was extracted in the vet ER, and we've discuvered she has a rare liver condition. The Ct scans, ultrasounds, and all diagnostic appointments have been paid for at 80%. Embrace staff talked us through the claims process, they have efficient and clear accessible communication, and we got paid shortly after our vets submitted claims. It's been flawless. I've recommended this insurance to all of my friends and family. They approved a very expensive procedure that is our only option to keep our puppy alive. By the end of this ordeal we will have maxed out our coverage for the year. Fingers crossed they will continue to be true to their excellent coverage.
5

out of 5

POSTED: | BY: Tami

Excellent Insurance

After the deductible is met, the insurance is wonderful! My little dog couldn't open her mouth, it was so sad! She stopped eating and was just listless. After many tests, we discovered she had MMM, a horrible disease that affects the jaw. Embrace has reimbursed me for almost everything, including medicines needed to make her feel better. Thanks for the awesome service and being there for us!!
5

out of 5

POSTED: | BY: Darla

Excellent coverage

Can always count on Embrace, happy to have for insurance!!
5

out of 5

POSTED: | BY: Roberta

Great

I recommend embrace to everyone I meet at the dog park. A wonderful company.
5

out of 5

POSTED: | BY: Dominic

Good investment

Wellness plan is good investment for grooming n teeth cleaning.
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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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