Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: David

Very good so far!

They actually cost less overall than if i went to the vet alone! How does that work? I don't know. The reps seem like genuinely happy and kind people. Its like therapy being with them on the phone joking and sharing supportive words. My vmcat was covered no hassle! I don't know what else to say.
5

out of 5

POSTED: | BY: Robert

Great service

Claims were paid within two weeks after my small dog had to have surgery on his rear leg.
5

out of 5

POSTED: | BY: Patty

Thank goodness for Embrace!

When you just bring home a puppy, you never expect to have immediate issues, but between the first claim for treatment of a copperhead snakebite and second claim of abdominal rash with medications, we certainly were glad we have chosen Embrace. Easy to navigate site, updated as the claim processes, and pretty quick review time give us peace of mind.
5

out of 5

POSTED: | BY: Shelly

Very Appreciative

I would not have been able to provide the quality of care that my dog Jake needs with the help of embrace.
5

out of 5

POSTED: | BY: Matt

Phenomenal and quick

The best price and insurance you can find anywhere. I have never waited more than a minute or two to speak with anyone and the customer service has been phenomenal.
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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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