Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Kara

Extremely Helpful Staff

I've simply had the best experience with the folks who work at embrace. I'm new to the whole pet insurance thing, and their system and website is so streamlined, simple, and clear. I wanted to make sure my dog was covered, but the last thing I wanted was one more hassle to deal with. Embrace is the opposite of that. And whenever I've had one of my many questions about how things work and how to navigate the system, I've spoken directly with a very helpful, friendly person. They also answer emails almost immediately.
5

out of 5

POSTED: | BY: Carlos

Thank God for Embrace

I have had Embrace for almost two years now since we got our little puppy Sofia. Honestly at first I was a little antagonistic about getting pet insurance for a puppy. Recently our little Sofia had 6 bladder stones and the surgery was pretty expensive. Thanks to Embrace I recovered about 50% of my cost and Sofia is fine now.
5

out of 5

POSTED: | BY: HappyS

Great service, easy claims

Embrace has been a lifesaver this year for my Bernese Mt. Dog, who has had a variety of post ACL surgery treatments to help his stiffness and arthritis. They continue to make it very easy for my vets to submit claims, and the turn around for reimbursement is very quick - always less than 2 weeks. I'm very pleased with Embrace and have referred others to them.
5

out of 5

POSTED: | BY: Catherine

Grateful for Embrace

I could have never anticipated how much I needed Embrace pet insurance, but a year after I adopted my dog he suffered a severe seizure. His care and medicine cost over 8 thousand dollars. I submitted claims to Embrace, and was pleasantly surprised to be reimbursed 4 thousand dollars. I could not be more grateful for the insurance. Claims were processed promptly and communication has been excellent. I highly recommend Embrace to all pet owners!
5

out of 5

POSTED: | BY: Raf

A satisfied customer

Rio is my almost a two-year old Labrador Retriever. He suffers from Panosteitis, an inflammation of the bone, a condition that he will outgrow as he gets older. Occasionally Rio has a lame issue with his front legs. It is heartwrenching to see an otherwise healthy handsome dog limping along. Embrace has been working with me and his his Vet to help Rio finally outgrow this painful condition. Embrace is a professional animal health insurance company. They do a thorough vetting of your pet's health history. They have your back in helping your pet get back to a 100% healthy condition. My experience with Embrace has been outstanding. I highly recommend Embrace to any pet owner. I think you will be as satisfied with their attention to detail and support as I am. Rio' dad

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 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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