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: Diane Karagienakos

A stressful time, but Embrace was there

January was a tough month for my pup, Picard. He had an injury (emergency vet visit) 12/22; then on 1/1 had blood in his urine, unrelated (and another emergency vet visit). There were several follow up visits and tests until we ID'd the cause and a course of treatment, just days before I was scheduled to go overseas. The bills added up, but Embrace reimbursed much, and did so quickly, which really eased much of my stress. Thank you Embrace. I'm so grateful you are Picard's insurer.
5

out of 5

POSTED: | BY: Laura Smith

EXCELLENT!

I can't say enough about Embrace Pet Insurance. Extremely responsive, but most of all compassionate. I submitted a claim for euthanasia services for my dog who was in kidney failure. When I submitted the claim, I got an unsolicited, nice note back expressing condolences. I feel like part of the Embrace family!
5

out of 5

POSTED: | BY: Cindy Schmoke

So grateful to have Embrace insurance

We did not have pet insurance with our last pair of Jack Russells. It cost us a small fortune to treat cancer and other illnesses throughout their 16 yrs. We signed up for Embrace immediately when we got our current JRT puppies. Before they were 6 mos old we were submitting claims, still do 2 1/2 yrs later! Thank you Embrace and our Vet hospital for recommending themCindy S.
5

out of 5

POSTED: | BY: Tom

Unexpected major surgery covered at 80%

I had coverage only for catastrophes ($1,000 deductible) for 6 years with no claims, then my dog tore his ACL and needed a $3,000 surgery. After 6 years I was surprised that Embrace required vet records going back to the time I first got the dog before they would pay the claim, but they did pay and after that they were very responsive to emails. They also provide a website claims tracker that works well.
5

out of 5

POSTED: | BY: Lynnette

Very impressed with Embrace

I was skeptical of all insurances, but when I looked at Embrace, all my fears disappeared. They have been great with communication, and extremely fast about reimbursement I'm happy I cgose them!
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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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