Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Ken

Great company

I have been with Embrace for almost 10 years. Their costs are competitive and they provide numerous plan options so you can come up with a customized plan that meets your coverage and financial needs. I currently have 3 dogs insured with them. Throughout my experience, Embrace has been a stand-up company and has never disputed any of my claims and has processed them all usually within 2 weeks. I would highly recommend them to anyone looking to purchase medical insurance for their pet.
5

out of 5

POSTED: | BY: Deborah

Best pet insurance company hands down!!

Super fast claim reimbursement. Nicest respresentatives I've ever dealt with.
5

out of 5

POSTED: | BY: Lucille

In Sickness and In Health

Before Embrace, we could not get wellness coverage or coverage for the minor issues that cats can have from time to time. Now, thanks to Embrace, we do have that coverage, and have saved significantly on veterinary care expenses. Customer Service has been proactive about claim handling and follow-up, and actively seeks feedback. Embrace offers an excellent value for our pet insurance dollars.
5

out of 5

POSTED: | BY: Katie

Best coverage ever

I love Embrace. I work at a vererinary hospital and whenever someone asks about pet insurance I recommend Embrace.
5

out of 5

POSTED: | BY: Sandra

This is the pet insurer I recommend to everyone!

I've had nothing but great service and delivery from Embrace. While other companies play games with what's allowable and what's not, diluting policy value, Embrace is straightforward, inclusive and compassionate. I've filed multiple claims on all three of my animals and have never been disappointed. Most recently, my 10-year-old Newfy needed surgery to remove a benign tumor, and I was concerned it might be considered a pre-existing condition, but Embrace covered it in full.
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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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