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: Ed

Great response from Embrace

Our 2 year old cat somehow managed to swallow a needle and thread! Emergency vet surgery was a complete success and he is doing beautifully as far as we and the vet can tell. Embrace never hesitated and we could not be happier with regard to the entire process and coverage.
5

out of 5

POSTED: | BY: Leonard's

Security Blanket for My Pet

A friend recommended Embrace to me (unfortunately AFTER he had a big vet bill!) and I am so pleased now with the sense of security that this insurance offers. I have had no problem receiving prompt reimbursement for his wellness exams and rest easy knowing that he is covered for any future problems.
5

out of 5

POSTED: | BY: Justin

Couldn't be more pleased

Every time I deal with Embrace (and it seems to be a lot lately) I am left with a good feeling. I feel like my two pups are in great hands. What a relief to know that I have a responsive, caring, top-notch insurance company for my pets. I only wish they would do human insurance.
5

out of 5

POSTED: | BY: Karen

Helping us helps our Rescue

Thank you so much for always being there to answer our questions and help pay for the care of our Rescue dog Samson. Samson is our 5th rescue dogs and as you probably already know they need all the love and care we can give them. Thank your for your part.
5

out of 5

POSTED: | BY: Martina

Great service

I am very pleased with the service I received by Embrace Pet Insurance. It was very easy to submit my claim online. I was able to check on the status of my claim and received my refund within the time frame I was told it would take. I submitted a claim from my primary vet for pre-surgery blood work and surgery for a growth removal. Sadly, the biopsy came back as sub-cutaneous hemangiosarcoma. We had a consultation with an oncologist who ordered xrays and an ultrasound. All my submitted claims were covered. The representatives were very polite, kind and helpful.
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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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