Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,930

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: Ursula

Very efficient

Our local Dog Park had sponsored an " Ask a Vet" Panel and all 4 Vets had strongly recommended getting Pet Insurance. When our 4 month old Golden needed hip surgery Embrace's reimbursement was great. We'd never had Pet Insurance before but are SO glad we have it now. It paid for itself in the first 2 months!
5

out of 5

POSTED: | BY: Karine

Great service

I have an English bulldog who luckily made it 6 years before needing anything major. He had a surgery to remove a tumor and Embrace has fun very easy to work with and fast responses. I would highly recommend them.
5

out of 5

POSTED: | BY: Rebecca

Impressed

I am very pleased with Embrace. Our dog has been insured for about 6 years and each time she has had a vet visit it was processed and reimbursed within 10 days. I am very satisfied with Embrace and highly recommend them.
5

out of 5

POSTED: | BY: John

We could not be more pleased

We have had to file 21 claims over the past 3 1/2 years on our German Shepherd, Cesila, for intestinal issues and skin issues. Embrace has without exception processed our claims speedily and in full accordance with their policy. We are extremely pleased with the company's efficiency and courteous manner.
5

out of 5

POSTED: | BY: Sharon

Highly recommend this insurance

I am a small animal veterinarian and routinely recommend that owners purchase insurance for their pets. My personal experience as a pet owner has been nothing but positive with Embrace. As a disclaimer, I do not receive a discount, and I am not an employee of Embrace. I routinely recommend that owners look into Embrace insurance for their pets, and will continue to use Embrace for my own pets.
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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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