Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Betty Crunkleton

Satisfied long time customer

I have submitted several claims and always received a prompt response to confirm receipt of claim, updates on status, and payment of claim. This is the only company I have used for pet insurance so have no basis to compare other companies, but I have been very happy with Embrace.
5

out of 5

POSTED: | BY: Rose

My heroes!

Embrace Pet Insurance is so amazing. I'm so glad I found them. Reasonably priced and very accessible. Excellent customer service. I know they don't do this often, but they were able to make an exception with my claim and helped me out. I feel like I"m talking to real people who care about my dog vs. some random company. Highly recommended.
5

out of 5

POSTED: | BY: John Calandra

Best Pet Investment

Our cat has reached the point in life that she now suffers from renal failure. Thanks to Embrace we have been able to manage a very good quality of life. A Big Thank You
5

out of 5

POSTED: | BY: Fernando Flores

Illinois Embrace is a company that actually cares about my pet!

Choosing Embrace insurance to protect our dog what’s the smartest decision I’ve made all year. Embrace has shown itself to be a company that actually cares about our pets. I highly recommend them to any and all pet owners.
5

out of 5

POSTED: | BY: Lawrence Durkin

Service and response has been outstanding

As stated above, whether on the phone or in emails, service and response with Embrace has been outstanding. No complaints, only kudos
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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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