Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,765

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: Rafael

The Pet Insurance that works!

I had tried per insurance years ago with my previous dog and it was a fight to get them to cover anything more than the annual vet visit. WHAT A DIFFERENCE With Embrace!!! Our dog swallowed something and needed surgery and less than 2 weeks after submitting all the necessary paperwork we got our reimbursement check! The process is quick and easy, uploading documents to the website and being able to check in the status online. No black box from Embrace. Love it, and am a true believer!
5

out of 5

POSTED: | BY: Sandy

Embrace Exceeded My Expectations

VERY HAPPY I choose Embrace as my dogs health insurance provider.Very helpful customer service who actually have my pets health in their best interest. Reimbursement beyond expectation.
5

out of 5

POSTED: | BY: Erica

Well worth it!

I was a bit skeptical about having pet insurance. But, under the guidance of my vet I decided to take a chance and they recommended Embrace. This has been one of the better decisions I have made over the last year. Unfortunately my 6 month old boxer broke his leg playing at the dog park. Embrace has made a tough experience a bit easier with the great expense that this has entailed. There have been zero issues when processing a claim and the staff is ALWAYS on phone call away.
5

out of 5

POSTED: | BY: Karineh

Thank you!

My cat Toby who is 14 yrs old is diagnosed with Lymphoma and gastritis/vomiting. Embrace has covered most of my vet bills. I am so very thankful and I am truly very happy with Embrace. Thank you.
5

out of 5

POSTED: | BY: Vicky

Impressed with Claim Process

I've had Embrace insurance for my Yorkie for several years now. This is the first time the ER Vet bill was more than my deductible, and the entire process was very quick. I filled out everything online and in no time, I had the claim check. Embrace even wrote me to make sure I received it okay. Very pleased with the way my claim was handled.
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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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