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.
4

out of 5

POSTED: | BY: Jennifer Shrum

Flexible Coverage and Worked With Me Figure out Coverage!

I just FINALLY got pet insurance this year for my Hannah (age 11) and Embrace was one of the few who offered Wellness to cover the ongoing costs of fleas/ticks/vaccines which I really appreciate! I also got illness and injury - in reviewing some previous medical charts for possible pre-existing conditions that would not be covered. There was some unclear and vague documentation from a previous dental exam that potentially would exempt cancer coverage. Embrace worked with me to help understand what specifically I needed to work with my Vet. I really appreciated how they worked with me, giving me specifics so to help save both my Vet and I's time to make sure in the future, should my Hannah have a need for Cancer insurance repayment, it would be there as expected. I've already recommended Embrace to all my friends and family.
5

out of 5

POSTED: | BY: Kyna McCarley

Embrace always has my back!

Our Lab mix has been "embraced" since we brought him home almost 11 years ago. Since then he has had one leg ailment after another -- all covered by Embrace! Beyond that, the "Embracers" have taken a genuine interest in our pup so it feels like dealing with old friends when we make a claim. We couldn't be happier!
5

out of 5

POSTED: | BY: Robert Wightman

Dog had a torn ACL and had surgery!

Dog got a torn ACL and had surgery. Tough because dog was only 9 # and small. Embrace covered the surgery.
5

out of 5

POSTED: | BY: Zack Paakkonen

Great!

Great service! One of my cats had an unexpected serious medical issue with several claims, and Embrace has handled all of them promptly and communicated with me about their status the whole way. I recommend them to anyone who is looking for pet insurance.
5

out of 5

POSTED: | BY: Maureen Trelease

Very easy to work with and kept informed as to claims.

Embrace provides the coverage that was in initial information, and maintains contact with me from the time the claim is received at Embrace and determination has been made as to determination is made. Any phone contact with agents has always been positive.
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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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