Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Steven Stein

Embrace is a worthwhile investment

I have raised 13 Newfoundlands, and had VPI until now. My new Puppy Xander has Embrace Pet Insurance, and in the 1st year alone, it has more than paid for itself.I recommend it to everyone.
5

out of 5

POSTED: | BY: Alan

A real insurance policy

We have a Bernese Mountain Dog puppy that's had significant medical issues and Embrace has been at our side supporting the sizable medical bills without question. It has been a large financial relief to us and a change of life for our puppy. We've had other insurance policies in the past (VPI) and by FAR this is the best coverage we have ever receive. Don't look for another policy.
5

out of 5

POSTED: | BY: Jill Ostrow

Wish my insurance was this good!

I hear from Embrace soon after I file a claim. They are extraordinarily prompt, fair, and thoughtful with their handling of claims. The customer service is astounding. I wish human insurance was this fabulous!
5

out of 5

POSTED: | BY: Rachel

Embrace is THE BEST

I have never dealt with a more compassionate insurance company! If only "human" insurance companies were this helpful, friendly and responsive - we would be a much better country!
5

out of 5

POSTED: | BY: Michelle

Quick Payout

Very quick turn around for claim reimbursement and since it was a wellness claim it was 100% back. Glad to know that I won't have to wait forever to get reimbursed.
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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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