Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,916

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: Catherine

It is so worth it

I never thought I would ever get insurance on my dog. BUT, my daughter talked me into it. I am so glad I did. She needed surgery. Embrace was so quick to pay the claim and follow through to make sure I received the check.
5

out of 5

POSTED: | BY: Denise

I'm so glad I bought this insurance!

I researched many pet insurance companies before I chose Embrace. Sadly in March my beautiful Sheltie became ill. With the insurance I didn't let money come into the equation. Once my deductible was met, the check came. The claim process was easy and efficient. I'm so glad I bought Embrace!
5

out of 5

POSTED: | BY: Dawn

WOW! I am just in awe of this insurance!

For the first time in my life, I am in a position to care for a fur baby the way I want to and should. I have always been a fan of pet insurance and now that I have my precious Chloe and the means to properly care for her, it makes being a pet parent all the more fun and stress free.
5

out of 5

POSTED: | BY: Lynne

Highly recommended

One of my dogs was recently diagnosed with hemangiosarcoma, a very serious and terminal cancer. Embrace has been there with us from the start, and helped to make our treatment choices easier, allowing us to have as much quality time with him as possible. We have had a couple other claims in past years with them, and they have always been helpful and easy to work with, processing claims quickly. I am happy to recommend their services.
5

out of 5

POSTED: | BY: Jill

I'm a happy camper!

I've been an Embrace policy holder for several years and have been fortunate to have not needed them for most of that time. However, recently my Golden had some medical issues and I needed their help. My request was met with professionalism, (mixed with compassion!), efficiency, and reasonableness in terms of reimbursements. Thank you for being there when I needed you.
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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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