Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,930

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: Kate

Embrace is there when you need it most

You hope you won't need it, but when we did, Embrace came through. Our otherwise very healthy middle-aged dog was recently diagnosed with a rare nasal cancer. His symptoms came on suddenly and dramatically. Embrace came through with very quick pre-certifications (24-48 hours) and covered his palliative radiation treatment with quick reimbursements (about 1 week each). We are hoping for another 1-2 years of quality time with our pup. Thank you Embracers!
5

out of 5

POSTED: | BY: Lea

Awesome company!!!

I am overjoyed at my experience with Embrace Pet insurance. I only wish I had known about them sooner. If you have a new dog in your life please consider pet insurance through Embrace. You will not be sorry.
5

out of 5

POSTED: | BY: Jacqueline

Insurance for dogs

I really appreciate Embrace Insurance. They are very quick to let you know when they have received a claim. The refund comes quickly. I have recommended them to my Veterinary Hospital.
5

out of 5

POSTED: | BY: James

It's What You Hope for in an Insurance Policy

Whenever I act on an insurance policy or warranty, I always dread the time when I have to file a claim. The exceptions and the scrutiny make for dreadful waiting. This was my first claim with Embrace, as I recall. It was for an acute urinary tract infection and blockage, requiring surgery for our cat costing us over $4,000. I was pleasantly surprised by the friendly, caring emails , letting me know along the way the progress of the claim submission. It all ended with a check being sent, in accord with the provisions of the policy. Thank you Embrace.
5

out of 5

POSTED: | BY: T.

Best Pet Insurance Ever!

Embrace has been wonderful in covering my active12 pound ball of energy! they have covered everything from yearly physicals to a foxtail in his nose to his sprained paw. Jax has had a rough year so far. All have been covered and the company has great communication throughout the claims process! We had a different pet insurance 20 years ago and it was horrible and we cancelled...Embrace has exceeded our expectations and gives us piece of mind knowing that Jax will be covered if disaster strikes.
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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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