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: Irine

Great as always!

My dog has a constant problem with his stomach. My doctor suggested having an ultrasound and endoscopy in addition to the blood and other test. All these tests were very expensive and thanks to the Embrace great service we received the reimbursement checks before my credit card due date. I highly recommend Embrace pet insurance
5

out of 5

POSTED: | BY: Susan Tibbetts

Meow!!!

I am so thankful that I have Embrace pet insurance ! Just fantastic🐯
5

out of 5

POSTED: | BY: Holly

Very attentive insurance company

Embrace has great customer service. They are very responsive and helpful. Their response time in stellar.
5

out of 5

POSTED: | BY: Rachelle

Piece of Mind

My 16 yr old cat was rushed to the emergency vet as she was unresponsive. Once she was stabilized, and it was determined she was suffering from severe hypoglycemia among some other underlying issues, she was hospitalized for a number of days. Although I knew the costs were adding up quickly, I didn't have to worry because of Embrace. I was able to focus my mind on what mattered most: getting my cat back to normal. Embrace ended up covering 80% of my $1,800 bill. I couldn't be more grateful!
5

out of 5

POSTED: | BY: Allie

Embrace continues to impress

I cannot express enough how thankful we are to have Embrace insurance. They are incredibly easy to deal with, actually cover what they say they are going to without any hassle Claims are processed quickly and efficiently and their customer service (should you ever actually need to contact them) is both caring and responsive. I wish dealing with my human insurance company were even half as easy as it is to work with Embrace. They truly have an amazing business model.
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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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