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: Brian

Easy Process, Good Service

We didn't know exactly what we would need insurance for, except that our dog always ended up in the Vet a few times a year for something. Then, earlier this year he developed some issues with his back right leg. Embrace has done a good job covering the various tests and procedures and I definitely feel I've gotten my money's worth and more.
5

out of 5

POSTED: | BY: JoyMarie

Grateful to Embrace

Nikki had very bad teeth and needed to be taken care. 15 teeth removed due to resoption and fractures. Bill was almost $2K. Embrace covered 50%, would have been more, but I already hit some maximums. Took the pressure off of amount spent. Plus they were so helpful before and after claim filed. I always recommend EMBRACE. Thanks to D Fellon and Embrace, Nikki is just great!
5

out of 5

POSTED: | BY: Max

Great insurance for my dog!

We had an eye emergency that needed emergency surgery and many follow up visits and Embrace covered all of them! So thankful that we have it for our baby!
5

out of 5

POSTED: | BY: Edith

Affordable coverage of ALL treatments!

Two years ago I was grateful for Embrace's excellent coverage of three (very expensive!) ACL and cataract surgeries in one year for our Danes - and the continued coverage of the expensive eye drops. Today, I'm even more thankful they cover "special" treatments like chiropractic and aquapressure (like acupuncture), and nerve stimulation, without a special "rider" like other companies. Because 3 months ago, our old Dane girl injured her spinal nerve, resulting in "ataxia" (partial paralysis) of her hind end. She could barely stagger. And you can't carry a 145 lb. Great Dane! But Embrace's regular policy covers these "special" treatments, and they helped. She is still shaky, but she can climb up onto her low bed, and even tries to scamper across the yard again. We are so grateful to Embrace for helping our old Dane girl be happy and comfortable in her last months.
5

out of 5

POSTED: | BY: Iman

Surgery Covered

My furry daughter needed a surgery and I was so pleased with the very quick timing in my refund!!! I have been with Pet Embrace for five years and the service has always been exceptional. I am so glad I purchased pet insurance when I did. You just never know what will happen and this was definitely one of the best things I have done. Strongly recommend Pet Embrace!!
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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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