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: Maddy

Highly Recommend Embrace

Coverage has been sufficient and easy to manage. Have not been given any problems yet on claims and they've been paid quickly. I feel the price is reasonable and the customer service I receive when I call or email is great.
5

out of 5

POSTED: | BY: Ronnie

I LOVE Embrace!!!

I have been a loyal Embrace customer for many years. I have used their insurance numerous times in the past and have never been disappointed! I currently have 4 large dogs, so I have to keep a high deductible and copay to afford covering them all for emergency issues. My Dane Maya just blew out her knee and had TPLO surgery. As they have consistently done in the past, Embrace has covered everything, minus my deductible and co-pay. They are a great company and I am a customer for life!
5

out of 5

POSTED: | BY: Ana

Transparent, fair and excellent Pet Insurance.

My Sparky an 11 year old Maltese has had Embrace Insurance for the past 2 years. He has been covered for everything that was not a pre existing condition in an extremely timely manner. He had a heart murmur and high liver enzyme before I got Embrace. I was explained in a very courteous manner why these illnesses were not covered. He has developed cataracts after I got Embrace, these claims have been covered immediately. I am very satisfied for Embrace 's great service. Sparky and I thank you, Ana (Sparky's mom)
5

out of 5

POSTED: | BY: Amanda

Embrace did a great job!

Our dog, Lucas had torn his ACL and need surgery. We were reimbursed the monies we were owed right away! I highly recommend Embrace for all your pet's needs.
5

out of 5

POSTED: | BY: Val

Best!!

Fast. Life saver.
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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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