Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Amanda Manahan

Embrace is the best, hands down.

I have had my 6 year old Newfoundland Piper on the Embrace plan since she was a pup. Last month she developed bloat with a stomach twist and had to have emergency surgery. My claim with Embrace was covered very quickly with no questions asked. I will never have another dog without the coverage of Embrace.
5

out of 5

POSTED: | BY: Peggy Banks

Best pet insurance company ever!

My Yorkshire Terrier has patellas issues in both her legs and cannot be operated on. She just started having seizures. Embrace was been wonderful to work with the claims process takes days not weeks and months. I am always recommending Embrace to people with pets. Thank you Embrace
5

out of 5

POSTED: | BY: Andrea Pfeffer

Claim Processed Very Quickly

Great pet insurance company!
5

out of 5

POSTED: | BY: Amy serlin

On their game

We adopted a rescue dog almost one year ago and knew we needed insurance as we had so little info about her. Went with Embrace on the recommendation of a friend and am so glad we did. Have submitted several claims after various gastro-intestinal issues and they are paid promptly and without question. I especially appreciate the email notification I get when they receive the claim as well as when it's been approved. More efficient than my human insurer !
5

out of 5

POSTED: | BY: Nancy

Very good company so far!

I purchased pet insurance with some trepidation and had my first claim after 3 years when my basset hound mix was recently diagnosed with bladder cancer. The vet school recommended a combination of chemo, targeted radiation therapy and NSAID drug therapy. I'm happy to say that Embrace has covered it all promptly! My only recommendation to others is to think carefully about the coverage amounts you choose. I thought $5000 for my very healthy dog would be sufficient, but his bills will likely amount to closer to $10,000! Still, I'm satisfied with 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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