Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,342

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: Rebecca

Timely and fair

Embrace has been professional and timely with all of my claims. I appreciate their willingness to review and complete the claims quickly and fairly. With an older dog, there is much history to review, but Embrace has been consistenly timely with their reviews.
5

out of 5

POSTED: | BY: George Benson

After 6 years the insurance was essential.

We had insurance for six years without using it. Suddenly our dog had serious issues and the insurance was needed and see. I submitted everything at once which slowed down the process but we are thankful we had it.
5

out of 5

POSTED: | BY: Kathy McPhillips

Thank you Embrace!

My dog recently had TPLO surgery. It was great to know the Embrace was there to help with the expenses. They paid my claim very quickly. Pet surgery is stressful enough so it's nice to not have to worry about how to pay for it too! Thank you Embrace for being there when we needed you!
5

out of 5

POSTED: | BY: Richard Curls

Service second to none!

Embrace comes through for our Shadow every time! The people are very courteous and the claims process is extremely quick! We recommend them to ANYONE who cares dearly for your pet and wants to give them the best care possible. Thank you Embrace staff!!
5

out of 5

POSTED: | BY: Claude Poole

Literally a life saver

Such super and caring service. Without Embrace we would have had to put our sweet Mo to sleep. Embrace is also very fast at processing pre-approvals and claims.Our Mo developed a vaccine induced fibro sarcoma. A very aggressive cancer which in addition to surgery required expensive radio therapy to save his life. Thank you Embrace.
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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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