Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Norma Hren

Happy I switched from Nationwide.

Claim was mostly related to general exam after adoption as Winston was 11 years old.Am very happoy with any interaction I have had with reps. from Embrace
5

out of 5

POSTED: | BY: Francie

Very Impressed

My dog was diagnosed with a fully torn cruciate and a luxating patella, both of which are required surgery. The procedures were done at the same time and the total was over $4K. I recently lost my job and would have truly been in a dire financial situation were it not for my Embrace policy. Thus far, they did exactly what they promised to do and did not try to look for exemptions or reasons not tocover my claims. They were fast to reimburse the majority of the surgical costs and have been encouraging regarding coverage of necessary PT as well (fingers crossed). I highly recommend Embrace. Having their policy has allowed me to get my girl the care she needs without having to go into a lot of debt. Thank you Embrace!
5

out of 5

POSTED: | BY: Michael

Wouldn't be without it.

I wouldn't be without some kind of insurance for our furry family, we recently lost one of our family due to a rare illness and it just showed us that you would do all you can to save them, We heard about Embrace from another owner who highly recommended them so when the time came we went with Embrace. And we are glad we did we now have 3 furrys insured and have recently had an emergency claim that was processed in a timely manner and explained by caring, knowlegable people who really care for you pets. Thanks, Embrace
5

out of 5

POSTED: | BY: Natalie U.

Thanks again, Embrace

This was our second visit to the emergency room this year. Lakshmi vomited a large amount of blood. It was over a thousand dollars, it was covered quickly and easily. I called embrace when we were at the emergency room, and they offered to fax the claim form, which I thought was super nice.
5

out of 5

POSTED: | BY: Barbara Kaspin

Excellent pet insurance

I have had excellent experiences with Embrace! Highly recommend them.
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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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