Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Emily Byrum

Embrace Rocks!

I've been a long-time Embrace client. I am so grateful for the amazing customer service and payment of claims. I have a multiple pet policy with a high deductible in hopes of not having to use the coverage except for chronic or catastrophic stuff. So when my Middy was diagnosed with asthma, Embrace stepped in and paid the many claims associated with the diagnosis, and now pays out for Middy's expensive inhaled meds. They even paid for the spacer, AeroKat. I would not have been able to put Middy on the much safer but incredibly expensive inhaled steroid if I didn't have Embrace coverage. Thanks!
5

out of 5

POSTED: | BY: Judith Jensen

I am very pleased with Embrace

I have recommended them to my friends and I especially like the prompt response to my claims.
5

out of 5

POSTED: | BY: Alicia

Wildly Impressed

Embrace is efficient and reliable. They are worth every penny!
4

out of 5

POSTED: | BY: Kristina

Very Pleased

This is the first time I've ever submitted a claim for pet insurance. I was pleasantly surprised at how quickly the claim was processed and I received my check. The only drawback is that I have to bother my vet to fill out the claim form instead of just sending in my invoice.
5

out of 5

POSTED: | BY: Diane Camus

Great service and thank you!

I looked into a number of pet insurance companies and I am very glad I chose Embrace. Thank you again.
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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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