Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Joe Richie

Confidence that our four paw kids are protected.

Embrace has been the best investment for our 3 pups! The turn around on claims are unmatched. The best part is that we have peace of mind for when we need access to unlimited resources to tend for our pet's health!Thank you Ebrace!
5

out of 5

POSTED: | BY: Kathy

Would never go without

For the second time in 11 months I was faced with huge bills for my young dog's surgery and complications. I practically had the reimbursement check before his staples came out!
5

out of 5

POSTED: | BY: Marian Grigoras

Flawless Performance. Every single time.

I'm a veterinarian and I got a policy for my dog w/ Embrace after getting in touch with one of their reps who was great at going over all of the details I had questions about.I needed the insurance twice and every time they acted very promptly and with the highest professionalism all while manifesting sincere empathy. I've recommended Embrace to every single person I spoke about pet insurance with at the hospital I work at. They've always handled claims for our clients and have been very easy to work with, compared to other insurance companies.
4

out of 5

POSTED: | BY: linda e

Great service

Good, prompt, service. Excellent coverage.Enjoy being insured with them.
5

out of 5

POSTED: | BY: Laura Berend

outstanding company

Our oldest cat, probably 12 or 13, has been treated for some arthritis in her spine this year by our holistic vet. She was pain-free very quickly and has been on a maintenance schedule. She's playing with our younger three cats like a kitten again. Embrace has covered her treatment per our contract quickly, and has kept us informed about the claims process via email. This vet and our regular vet recommended Embrace several years ago and we have been very happy with the company. Customer service has been excellent.
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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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