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: George Conner

Tough year made better

Our 5-year old miniature dachshund developed a severe spinal problem and ultimately required surgery - with many prior vet tests and medicines. We ultimately maxed out our policy limit for the year. Embrace was virtually flawless in limiting our expenses within the limits of the policy and did it in a timely manner. Our dog has now recovered and as most pet owners appreciate, we are thrilled to have her back to her old peppy self and being a key part of our family.
5

out of 5

POSTED: | BY: Carole England

Peace of mind

I've never been disappointed with my interactions. The Embrace staff are always helpful, kind, and compassionate. The policy itself gives me peace of mind that I will never have to skimp on care should my dog need it. Maisy is Papillon rescue, and I don't what she endured the first 3 years of her life.
5

out of 5

POSTED: | BY: Sandra

Embrace is the Best

I've had Embrace for my two cats for over 4 years, and they are great. Claims are paid promptly, and the staff is top-notch. I also appreciate their medical review option when taking the policy, no breed restrictions, and ability to add Rx and wellness. One of my cats is sick now, and it's very helpful to receive Embrace's confirmation when a claim is received and again when it is processed.
5

out of 5

POSTED: | BY: Sherry Hilding

I am pleased with the claim coverage to date.

Embrace has covered almost all of what I had hoped that it would for my kitty Layla. Her recent AAT treatment for Eosinophilia was covered - so glad. It eases my mind that I have health insurance for Layla and that alternative treatments are covered. Layla is almost 1.5 years old. She has been "Embraced" since last June. I am pleased.
5

out of 5

POSTED: | BY: Nancy

Awesome Sevice

Whenever I submit a claim to Embrace the service is always done in a professional, courteous manner. It's definitely one less thing to worry about when you pet is ill.
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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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