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: Renee

Thankful for the coverage.

This was the first time I filed a claim. My cat Leia had diarrhea and throwing up and then stopped eating. This was going on for 5 days so I took her to the vets to find out why. I almost forgot I had insurance on her so I called them while at the vets. I did not think they were going to cover the tests and medications but they did. I thank you and my cat Leia thanks you.
5

out of 5

POSTED: | BY: Joe

Must have for pet owners

This is second time I have been more than happy to have Embrace. Our boy needed a full ACL repair . Without embrace it wouldn't have been able to happen. Great custermer service if you have hiccups during your claim. Won't be going anywhere else....ever. Thanks again embrace!
5

out of 5

POSTED: | BY: Margaret

Excellent service

My 12-year-old Labrador had a cancerous tumor removed. The claim was paid, including claims for 2 separate biopsies, in a matter of 2 weeks. Thank you Embrace - you made a difficult situation so much easier! And Max is doing great!!!
5

out of 5

POSTED: | BY: Angie

Already recommended to three other coworkers

Embrace is quick, timely and simple to use. I have two bullies and this insurance is worth its weight in gold. I will continue to recommend Embrace Pet Insurance to every pet parent I encounter.
5

out of 5

POSTED: | BY: Toni

9 yr old bichon had bladder stone surgery

I've had Embrace for a couple years and found them very prompt in reviewing claims. This one was no different. They are timely and provide detailed explanation when approving or denying claims.
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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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