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: Bruce Galton

What a Great service

We recently lost our Golden Retriever after heroic attempts by multiple vets to save him. We submitted several claims for the various vets. Embrace responded immediately. The coverage has saved us thousands of dollars. When we get a new dog it will immediately get embrace insurance.
5

out of 5

POSTED: | BY: Edie Ramirez

Best investment ever!

My little Cujo had an in-grown eyelash. Her regular vet couldn't see it and performed two procedures. Ended up taking Cujo to animal eye specialist who immediately saw the problem and performed surgery to remove all eyelashes inside the eyelid..ewwww, along with the one that was rubbing her eye. Embrace covered all costs at 80% in a very timely manner. Bill was over $1,300.
5

out of 5

POSTED: | BY: Jeremiah

Newf ACL 2

Our Newf tore her second ACL within a year and Embrace came through for us both times. Expected push-back, but got none. Very pleased.
5

out of 5

POSTED: | BY: Anita LaChance

Claim review

Our Yellow Lab, Tucker was recently seen for an ear infection. I made a claim for the lab test and medication Tucker was give and like always Embrace covered the expenses. I can't say enough about this company, I have never had a problem, EVER! The representatives are alway polite and very helpful. I'm so glad we chose Embrace as our pet insurance company!
5

out of 5

POSTED: | BY: Mindy

Fast Claims

I am so grateful I signed up with Embrace. Unfortunately, in the past 6 months between our 3 dogs, we have had 2 major surgeries, a biopsy, and an eye issue that we still do not know the cause.
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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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