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: Laura

Love Embrace

My five year old cat Lloyd had developed cystitis necessitating Multiple trips to our vet. Embrace covered these visits. Very impressed. Have already recommended Embrace to several of my neighbors.
5

out of 5

POSTED: | BY: Teri

So glad to have Embrace!

Joined Embrace when we got our new puppy. Fantastic customer service whenever I have a question and prompt resolution of claims. Glad I chose Embrace for our insurance. I have told several "friends" at the dog park to sign up.
5

out of 5

POSTED: | BY: William Oh

Always a pleasure

My 10 yo lab mix has been covered by Emprace since she was a pup and all of my dealings with Embrace have been so easy and pleasant. Their reps truly take pride in customer service, perhaps more than I've experienced with any other company. Claims are processed expediently and with constant communication. Moreover, they pay out appropriate amounts without reluctance or hurdles. I can't recommend them enough!
5

out of 5

POSTED: | BY: Molly Webb

World Cancer Day is Feb 4th, Dogs suffer too!

Our elderly female Chow Shepherd K9 is the center of our family with her delightful smile. She had been under the weather for a couple of her past 10 years with different skin issues and sore back hips. We did not see Lymphoma coming but it arrived with a vengeance. Dogs are pack animals and will not complain so it was a moment of guilt that I had to process to wonder why I hadn't seen the signs earlier. Then the appointments happen and the sense of urgency to act quickly and you need to decide on going through treatment it not. The option to go into treatment is less of a sting if you have pet insurance. We chose to treat. Not an easy choice. It is time commitment and money does flow like beer at a bar but the choice is not based on cash at hand. Embrace Pet Insurance has been better than expected and easy to talk with when needed.
5

out of 5

POSTED: | BY: Carla Roth

Wonderful, reliable company

Embrace is the best!! One of my kitties got unexpectedly ill and needed surgery in January, and I sent in multiple claims in a matter of a few weeks to Embrace, and each one was dealt with quickly and professionally. Embrace did exactly what they said they would, and they have brought me so much peace of mind during this process. Thank you so much, 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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