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: Kelli

Excellent coverage and amazing customer service

We have never had one problem with Embrace. the responses to our claims is the quickest I have ever seen. The customer service is outstanding! I wish all companies were as efficient and pleasant.
5

out of 5

POSTED: | BY: Claudia

Very happy

Once again excellent service.
5

out of 5

POSTED: | BY: Carolyn

Peace of MInd for my dog's health

WHile I hope to never have to use my pet insurance, I am so glad a friend recommended Embrace to me when my dog was a puppy. At 3 1/2 he crashed into another dog and seriously strained his Iliopsoas muscle. Embrace covered everything - emergency vet, surgical doc, Physical Therapy, and Chiropractic. I just renewed - my dog is nearly 4 yrs old - and my premiums are still under $300/yr. Worth every penny to know I do not ever have to choose between my dog's health (or life) and my wallet. Also - whenever I have called, staff has been very helpful and responsive.
5

out of 5

POSTED: | BY: Scott

very helpful and worthwhile

Having Embrace pet insurance has been very helpful in managing large vet expenses for my dog. Their customer service has been great and their coverage of claims has been fair and without any surprises.
5

out of 5

POSTED: | BY: Sharon

Good Healthcare can be Expensive!

We have a 3 year old yellow lab mix rescue. She has had insurance since we got her at about 2 months old and immediately enrolled her in the Embrace Insurance before she had any pre-existing conditions. She is very healthy, but has developed incontinence from being spayed. This is an ongoing problem which she will take medication for the rest of her life. We haven't needed to use the insurance much, but it sure will come in handy now. We have had Embrace for our last 2 dogs and have been very happy with it. They pay promptly and as long as it isn't a pre-existing condition, are very fair. I like that there is no set schedule for what will be covered as with some pet insurance. I have recommended this insurance to many of my friends and will always have it for my dogs.
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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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