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: Charlie

Thank you!

I was so happy to have insurance coverage with you guys when my dog needed her knee ligaments for both her back legs. I could not have afforded this otherwise. I am so happy I decided to get both my pets insured with you. I have never had an issue being reimbursed even for this last issue which was in the thousands of dollars. You guys dealt with it quickly and absolutely fairly.
5

out of 5

POSTED: | BY: Holly

Embrace Pet Insurance is the BEST!

My experience with Embrace Pet Insurance has been terrific! I will always be grateful and so thankful for a pet insurance company like Embrace who was willing to insure my sweet dog who has cancer. Of course, her type of cancer is not covered since it is pre-existing (no pet insurance will cover a pre-existing condition), but they cheerfully and kindly insured her for almost everything else, except for the type of cancer that she has. In contrast, another well-known pet insurance company wouldn't even consider her because of her cancer -- they just flatly turned her down!! (It should be noted that my sweet girl's cancer is not even a terminal type. Her cancer is highly treatable and she has a very mild, low-grade form with an EXCELLENT prognosis! But that didn't matter to this other company.) Embrace Pet Insurance is compassionate, friendly, and they pay claims quickly. Throughout the (hopefully long) journey that we each travel with our beloved dogs, it is so good to know that you can have a friend along the journey in Embrace Pet Insurance. Life is so full of uncertainties, and I am grateful for a pet insurance company that cares about our dogs and cats and is a truly ethical, kind, affordable, fair, and animal-loving company. So glad I found this incredible pet insurance company!
5

out of 5

POSTED: | BY: Melody

Keeping my pups happy and healthy

We've been really happy with our experience with Embrace. I recommend them to all of my friends that have lets.
5

out of 5

POSTED: | BY: Pam

A very good feeling

It feels so good knowing that money will never be the deciding factor on whether or not my dog gets the care she needs. A great worry has been lifted since I purchased a policy with Embrace.
5

out of 5

POSTED: | BY: MAC

Wonderful Service

Embrace has been there through all of this horrible cancer treatment. I feel like I have someone on my side. Wonderful company.
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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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