Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Lauren

A true lifesaver!

I got pet insurance for my first dog ever as a safety net for an over-worried mom and because the price was just too great to say no to. I had no idea how grateful I would be to have it! My pup have chronic intestinal issues which took many tests and biopsies to diagnose. She also just had to have emergency surgery and a hospital stay for a foreign body she ate - scary! and expensive!!! Even though all the craziness of her illnesses, knowing I had Embrace took all the worry off of the financial piece and allowed me to focus on her care and recovery. Thank you!!
5

out of 5

POSTED: | BY: Terry

Best Decision Ever

My Labrador Retriever is 12 years old. We have had insurance since he was about 2. Now he has arthritis and some disc problems. He is having acupuncture and underwater treadmill therapy twice a week. My claims have been paid with no questions at all. This has always been my experience with Embrace. They are terrific.
5

out of 5

POSTED: | BY: Dawn Forsythe

Reassurance during stressful times

When one of my dogs is having health problems, the last thing I need in my life is more stress. Embrace has always come through for me, with no hassle. Good service, delivered in a reasonable time frame.
5

out of 5

POSTED: | BY: Danell

Excellence Pet Insurance

I'm very satisfied with Embrace. There customer service reps are very helpful and their turnaround time on claims is outstanding. The wellness program is great because I use supplements vs prescription medications from the vets and this is also covered. I would recommend the any day.
5

out of 5

POSTED: | BY: Joann Smith

I couldn't be happier

My beloved 11 year old Standard Poodle, Merlin suddenly developed a melanoma on his gum which required extensive immediate surgery and follow up vaccines. I am retired and live on a comfortable but fixed income. If it weren't for Embrace I would be in a financial pickle right now. Instead, I do have Embrace Pet Insurance and I am happy to say they paid 80% of the over $7,000 vet bill. They were helpful when I called to inquire about coverage and the claims were processed and my checks received in a very reasonable amount of time. Thank you Embrace. Merlin has recovered from the surgery and is thriving, happy and once again healthy.
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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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