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: Brenda

Great experience so far!

Petunia is our third dog, we had lost 2 9 months prior to getting her. We felt like our choice in veterinary care had something to do with the passing of our previous dogs. We wanted to have the opportunity to choose any vet but not have to should the cost of better care. Embrace has given us this choice and knowing that we can make decisions about Petunia's care without having to worry as much about the cost is of great comfort. Embrace has offered us an easy and awesome experience.
5

out of 5

POSTED: | BY: Andrea

So Far, so good

Love this pet insurance
5

out of 5

POSTED: | BY: Mary Keane

Continued great coverage AND excellent service

Thanks again to Embraces fast and no hassle response. I just added our 4th pet to the policy. I recommend Embrace to anyone I met with pets. It's reasonable and the customer service is outstanding. Plus Laura seems like an A+++ employer and treats her employees like partners. I really like this company. Been with them for 5 plus years.
2

out of 5

POSTED: | BY: michael post

surprising

claim $827 Paid $295 Deductible $300 Paid to me $0.00
5

out of 5

POSTED: | BY: Anne Dafchik

Excellent - the best!

Embrace has been phenomenal during my dog's time of need. I had purchased a pet insurance policy years ago because I was worried that my dog may someday get hit by a car. I never would have imagined that I would need it for Inter-vertebral Disc Disease which left him paralyzed in his hind legs one morning. Without Embrace I would have been unable to afford the emergency surgery he needed. The best part has been that prior to the accident they were able to customize a plan to work with my budget, and that they do NOT set a limit "per incident". The surgery alone cost $5,550 and my dog will still need additional therapy and rehab to walk again. Embrace reimbursed me $4,200 within 10-14 days after filing my claim. The customer service has been outstanding and I have nothing but accolades for 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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