Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Ashley

Best Decision

I have an english bulldog that required emergency surgery after being attacked by another dog and now has environmental allergies that has requires frequent trips to the vets. Embrace has been so helpful and easy to work with. I recommended them to everyone. I wish all businesses were this pleasant to work with.
5

out of 5

POSTED: | BY: medina

Embrace Rules!!! Very very happy!!!

Fantastic!! The only thing that holds up the refund is a slow vets office. Embrace does it with wonderful grace! Very satisfied
5

out of 5

POSTED: | BY: jeff

Torn ACL

I have a Great Dane that tore his acl. The surgery is expensive, but I didn't have to worry. I had my check from Embrace before I even took him back to check his stitches (two weeks). If you love your dog, you will love Embrace!
5

out of 5

POSTED: | BY: eric

Good company

My claim was handled in a timely manner. Reimbursement came not long after processing of claim.
5

out of 5

POSTED: | BY: Frank

Wellness Care

Filed 3 wellness claims at one time one month before the end of the policy. The claims were processed promptly and I had my reimbursement checks within a couple of weeks. Everything went as advertised.
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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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