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: Eric

Excellent insurance plan

Thanks for Embrace to cover my new kitten accidental expense. Very smooth communication and all representatives are very helpful and patient to answer all my questions and concerns.
5

out of 5

POSTED: | BY: Alfred Birtz

I couldn't have done it without Embrace!

I can't gush enough about the quality of the service that Embrace provides. Getting a large dog, I made sure that I purchased pet insurance early due to a load of hereditary issues. Unfortunately, Mason presented with epilepsy and has needed multiple hospitalizations and medication changes. Embrace has been with me throughout the entire process and is a literal Godsend! I would never have been able to afford the medications or the hospitalizations without them. They never questioned what was being done for Mason or any other issues. I refer all of my friends with pets to Embrace now and will gladly continue using them for years to come! Thanks!!! -Alfred
5

out of 5

POSTED: | BY: Ian Briggs

Embrace is Incredible.

Okay, I've never seen a company as helpful and efficient as Embrace. I just got my cat neutered, and within days was completely reimbursed for the operation thanks to their affordable wellness plans. I'm amazed.
5

out of 5

POSTED: | BY: Allie

CCC - Comprehensive Cancer Coverage

Embrace continues to be wonderful about processing my dog's cancer claims quickly and without any push back. I am consistently impressed by how they don't dictate what treatment options are or aren't allowed for your pets given condition.
5

out of 5

POSTED: | BY: Katrina

Prompt Reply

As soon as I submitted my insurance claim form, Embrace sent me a reply email that they received it. I then received follow up to emails to let me know I will be covered and that the check was sent. Very pleased with their service.
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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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