Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Rebecca Knapp

Helpful, fair and fast

We had smooth sailing for years with our dog till he was 4 and needed ER care, we are so glad that we had Embrace to support his care and make our out of pocket expense less. They were fair and fast!
5

out of 5

POSTED: | BY: Sara V

Wonderful, friendly service

So far the people at Embrace have been extremely helpful. We are sooo grateful for their quick answers. We had a different insurance provider for our other dog and Embrace is about 1000 times better. I always recommend Embrace to friends who get a new pet or are looking to change insurance providers.
5

out of 5

POSTED: | BY: Tara Zettl-Groulx

A life saver!

I've had pet insurance on my boxer since he was 2 years old with another company. Thankfully, I never had to use it, yet each year they raised my rates to the point I could no longer afford the monthly payments. I switched to Embrace in Dec 2015 & in May 2016 my dog was sadly diagnosed with Lymphoma. Testing and chemo are costing a fortune already, but thankfully filing claims and getting reimbursed 80% of the cost is a life saver. I am so thankful I have pet insurance, because I couldn't imagine not doing everything I can to save my 4 legged son & money deciding the fate of my boy. My only regret now is not switching to Embrace sooner and not opting for a 90% or higher reimbursement plan! Thank you Embrace for everything, you are literally saving the life of my son!
5

out of 5

POSTED: | BY: Leslie B

Amazing service

My cat was hit by a car and incurred over $6000 in bills. Though I'd only had my Embrace policy for a few months, his bill was covered exactly as the contract states, and I only paid 10% of total. If not for the Embrace policy covering the surgery, I could not have justified the medical cost and would have had no choice but to euthanize my cat.
5

out of 5

POSTED: | BY: Karen Peele

Impressive

Laura Bennett as well as all the other associates that I have had assistance with others but all get an A+! I was also very impressed with the turn around time from submission to receiving check. Thank you
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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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