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: Liz

Great Service & Rapid Response Time

We had our 3 month old puppy got into something on a vacation in Grand Lake, CO. The vet estimated a $2,000 bill for a weekend stay and procedures. Embrace was very helpful in our questions as being new dog owners and helped us every step along the way to receive our insurance check. 10/10
5

out of 5

POSTED: | BY: Vereene

Great comfort for folks with older dogs

As a first-time dog "mom", the cost of vet care came as a huge shock to me 8 1/2 years ago. Fortunately, my cockapoo Obie was always a healthy guy. However, as he ages, he's encountering more frequent and more expensive health issues -- like two torn acl's this past year. The cost of X-rays, blood tests and specialists would have been far beyond my means, if I hadn't made the wise decision to become an Embrace customer. The staff is unfailingly compassionate, helpful, and knowledgeable. Claims are handled promptly and communication is outstanding. The one time I had a claim denied, the explanation was clear and helped me recognize the connection between two health issues I had seen as completely unrelated. My one suggestion is that Embrace offer a discount for senior citizens on fixed incomes. Obi-wan Kenobi is not the only one in our small family getting older.
5

out of 5

POSTED: | BY: Sean

Embrace Great So Far

We submitted our first claim and it was processed with no issues within a week.
5

out of 5

POSTED: | BY: Laura

Every pet owner needs Embrace!

Embrace is a wonderful company and totally worth the cost! Every new pet owner needs to get insurance!
5

out of 5

POSTED: | BY: Jacqueline

Outstanding Service

This is my first time submitting a claim and it was an awesome experience. The claim form is easy to complete and updates of my claim status was quick.
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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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