Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Julia

I am impressed - this was really easy.

Insured a new puppy and was very glad as she developed an expensive medical situation 3 weeks after we brought her home. Embrace has been very easy to work with. So glad I chose them!
5

out of 5

POSTED: | BY: Lynn Michalson

Always a wonderful experience when filing a claim

Fast turnaround, knowledgeable and friendly Embracers always going the extra step to help.
5

out of 5

POSTED: | BY: Helle Aarma

Peace of mind

The biggest sigh of relief was when Shiloh was diagnosed with Polycystic Kidney Disease and his ultra sound, x-rays, and all diagnostics were 100% covered.
5

out of 5

POSTED: | BY: Bill David

Will never be without Embrace again!!!

Our 4 year old Lab has had a terrible 1st three years. She recently had a tumor removed that was tested as extremely cancerous. Not only has my Embrace policy covered the majority of the expense, they are now going to cover about 3 months of Chemo. They are very fast to respond & extremely nice to deal with on the phone.
5

out of 5

POSTED: | BY: Kelly L.

Absolutely wonderful!

Not only is the staff incredibly kind, patient and helpful, but they always respond quickly, and if there is something you need, they are quick to assist. I think this is absolutely worth the price, as our insurance has covered us from a rough first year that our Puppy Rooney had. I highly recommend!
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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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