Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Christina

Great Insurance

My Newf had to have TPLO surgery. I was so happy that we had gone with Embrace for our insurance. They were easy to deal with and getting the checks in the mail very quickly. They continue to cover her physical therapy too. The physical therapist also like Embrace and used them too.
5

out of 5

POSTED: | BY: Carmen

Fast Processing tim

Fast processing of claims. I got a notification in 24 hours indicating the claim was received. The check was on my mailbox in less than 2 weeks.
5

out of 5

POSTED: | BY: Shelly

Amazing

The communication and response time is remarkable.
5

out of 5

POSTED: | BY: Karen S

Eddie and Molly thank you!

I have been using Embrace now for both of my cats Eddie and Molly since I adopted them two years ago. I searched through the different plans that were out there and decided on Embrace based on customer ratings and the plan details. I feel I definitely made the right choice - the customer ratings were right on target. Embrace has the very best service, they give speedy claims that are very fair. Recently Molly had a weird discharge coming out of her eye so naturally I rushed her to the vet. Eddie had an abscess earlier this year and he needed it cleaned and to get an antibiotic for it. Everything I have submitted has been covered. I'm so glad to have Embrace.
5

out of 5

POSTED: | BY: Happy Scherer

Fantastic insurance!

My 8 /12 year old Bernese, who has had joint issues with great coverage from Embrace for his medications, acupuncture, ACL surgery and other treatments, has developed histiocytic cancer. The insurance has been invaluable as various procedures have been done to lead to the diagnosis, including having his spleen removed. Now he is undergoing cancer treatment. While we will definitely max out our $10,000 per year coverage for him, we are so grateful to have had such coverage with great customer service and easy to submit claims. I have told so many people about Embrace!

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 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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