Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,934

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: Cliff

Best pet insurance out there!

My wife and I did our homework on all the pet insurances being offered. Embrace employees were the most pleasant to speak to.Our experience with Embrace for our 8 month old Doberman has been nothing other than exceptional! The company has come through with everything they state they insure with no exceptions. We highly recommend this company to anyone with a pet.
5

out of 5

POSTED: | BY: Danielle

Poor Daisy!!

Daisy, my four year old newfoundland had TPLO surgery on her right knee for a torn "ACL". She was doing great! Until.....three days after surgery she tore her other "ACL" :( Two surgeries later (just over a week apart) she is (again) doing great! Embrace processed BOTH claims in record time without so much as a question. In fact, they even sent Daisy a get well email! We were very fortunate to have this insurance. As you can imagine, it was a very stressful time for us. Having this insurance meant one less thing for us to worry about! Thanks EMBRACE!!
5

out of 5

POSTED: | BY: Laurie

Embrace always come through

Have an Irish wolfhound who needed surgery on his leg. Embrace came through. I have five dogs insured with them. Embrace is ahead of my vet when it comes to the claims. If Embrace needs clarification they notify the vet and are expedient in the process. They are on top of things! I highly recommend Embrace. Have been with them for 4.5 years!
5

out of 5

POSTED: | BY: Max

Great Customer Service

Embrace is easy to use, features courteous and caring staff, and a personalized experience. I've found them to be far easier to deal with and a better value than VPI.
5

out of 5

POSTED: | BY: Kerry

Great provider

My puppy has gotten into her share of trouble in her first year and has convinced my other dog to join in her shenanigans. Embrace understands that "dogs will be dogs" and have been great in reimbursing the results of her bad ideas. They are very straight forward about what they cover at what percentage and in a VERY fast timeline. I love this company!
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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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