Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Shannon

Thank goodness for Embrace!

Our dogs are like our kids so pet insurance was a must. Anything can happen, thats life, and when it happened, we were so glad that we had Embrace. They are great on the phone, no long waiting times, super friendly staff and the claims are reviewed in a very short time period, between 10-20 days. It was so simple to take care of the paper work so that I can spend more time caring for my dogs. Thank you Embrace!!
5

out of 5

POSTED: | BY: Louis

Embrace provides great service

When submitting claims for our cats Molly, Embrace Pet Insurance makes it easy to submit and process claims for our cats. There are also very helpful and thoughtful about our pets!
5

out of 5

POSTED: | BY: Mary

Thank you

Always sure of embrace. Quick responses and coverage for my dog.
5

out of 5

POSTED: | BY: Linda

Wonderful Wellness Program

This program is a very good deal. I have 3 dogs and enrolling in the wellness program I save money without huge bills all at one time. I just pay my monthly premium and it makes all of the dogs wellness prescriptions, office visits, and grooming very affordable.
5

out of 5

POSTED: | BY: VIctoria

Embrace is the best purchase I've ever made.

This is my first time with pet insurance, and I am going on year two with Embrace. I adopted a senior dog from a local shelter, and after covering my last dog's health bills all out of pocket, I knew I wanted to try pet insurance for my new pet. I shopped around and compared coverage and prices, and I decided on Embrace because of the flexibility of their policies and because their prices are totally reasonable, especially for a senior dog. Not long after adopting my little senior my vet found her liver levels elevated and a mass on her spleen that had to be surgically removed. Embrace customer service was so easy to work with during all of that and has continued to be helpful whenever I submit a claim or have a question. They process claims quickly and issue reimbursements immediately after that. The wellness coverage is a no-brainer, and worth every penny. I have added my cat to my policy now too, and I have complete peace of mind for both my pets. I'm confident I could afford to provide them with any medical care that they need with this pet insurance. I recommend Embrace to all my pet-owning friends.
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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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