Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,930

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: Carl

Promises Kept

Embrace is an organization of integrity and promises kept. Whether it is the Medical coverage for our now 4 year old Gordon Setter or the Wellness policy, we see it as an investment of value. They respond promptly and as promised in the policies. We always have confidence in their commitment. Amazing!
5

out of 5

POSTED: | BY: Mary

Not raisins!

This was new to me....raisins are bad for dogs. What is also new to me is pet insurance. However, Embrace came through and I must admit I was 100% satisfied.
5

out of 5

POSTED: | BY: Maureen

I recommend Embrace to everyone, even my vet!!

I have had Embrace for 6 different dogs over several years. Embrace helped us take care of our precious 2-year old St. Bernard who unexpectedly developed a rare form of cancer to give her a good quality of life to the end. Now, Embrace is there for us as our 4-month old basset hound puppy developed pneumonia and has an internal liver shunt. She is responding well to treatments so far and is expected to have surgery to fix the problem this summer once she is older and closer to full grown. Embrace customer service and communication is awesome! Embrace reponds to claims and questions in a timely manner! Embrace's coverage options are great and claims are easy to file! I insure all 4 of my dogs because with the help of Embrace I can provide them with quality care, quality of life, and in my basset hound puppy's case Embrace is helping me save her life!
5

out of 5

POSTED: | BY: John

Excellent!

My 3 year old Jack Russell Terrier was behaving strangely one morning vomiting and crawling on his belly. After seeing our vet on an emergency basis, we were referred to an animal hospital for further tests. It turned out that my dog had eaten an acorn and had to have emergency surgery to remove it from his intestine. Embrace handled the claims without question, paying every cent billed to me that they were responsible for. I would highly recommend them!
5

out of 5

POSTED: | BY: Tami

Awesome

This is my first experience with pet insurance and I must say I'm very impressed with Embrace! It was a wellness check, sent in my forms and had a quick response! They kept me informed every step! I am happy that I did my research and picked Embrace. I will recommend this to family and friends.
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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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