Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Rebekah

Always a good experience with Embrace

I always have a great experience with Embrace. I've had them for almost 2years now. Getting my cat covered by Embrace has been one of the best decisions I've made. I never have to hesitate to bring him to the vet for any issues. And I recommend them to all my family and friends. It's truly great coverage for a great price.
5

out of 5

POSTED: | BY: Laura

I feel so at ease with Embrace

I have been with Embrace for 5 years with two different dogs. I love them. I don't know what I would have done without them. With Embrace my babies get the care they need, when they need it.
5

out of 5

POSTED: | BY: Barbara

So far, so Good!

We got a lovely poodle/Soft Coated Wheaton terrier pup at 3 mo. old in Feb. He has several minor health problems which have been quickly and efficiently covered by Embrace. We are happy with the coverage so far in his young life. He's now about 10 mo. old, happy, healthy and extremely social!
5

out of 5

POSTED: | BY: Janice

Wonderful pet insurance

I highly recommend Embrace pet insurance. Claims are handled quickly and efficiently. The company offers a very personal touch. I am very impressed and am glad I did my homework and chose Embrace when we adopted our new little girl.
5

out of 5

POSTED: | BY: Kim

Extremely happy to have coverage...

Our Tucker recently had tie back surgery for laryngeal paralysis. Not only was the surgery covered at 80% after meeting our deductible, but his recent ER visits were covered due to aspirated pneumonia. We have received 3 reimbursement checks in a VERY TIMELY manner totaling over 3K. If Tucker needs further treatment – he is covered. This brings us peace of mind. When we visited the surgeon for the surgical consult I handed her the claim form while stating – We have pet insurance. She looked down and said, “Oh good, you have a plan that pays out more than many others.” I believe we have been with Embrace almost since their inception. One often wonders, “Are the yearly premiums worth it?” In our case, for Tucker, the answer is, YES. Our Shadow was also insured. I never wanted to begrudge my dogs treatment because we could not afford it. As many know – Goldens are prone to cancer. Embrace covers such treatment
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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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